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First National Bank of America


First National Bank of America is an FDIC insured institution headquartered at 241 E Saginaw St, East Lansing, MI 48823.
It was founded in 1955 and has approximately $6 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
SAV
0.25% $100 Compare
CD RATES APY MIN
6 Mo CD
4.71% $1,000 Compare
12 Mo CD
4.34% $1,000 Compare
18 Mo CD
4.34% $1,000 Compare
24 Mo CD
4.34% $1,000 Compare
30 Mo CD
4.34% $1,000 Compare
36 Mo CD
3.90% $1,000 Compare
48 Mo CD
3.85% $1,000 Compare
60 Mo CD
3.83% $1,000 Compare
MM RATES APY MIN
Money Market
3.50% $50,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.35% $1

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 17438
Date Established 1955
Assets $ 6.31 billion
Loans $ 5.79 billion
Deposits $ 3.69 billion
Capital $ 507.26 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 250.16 million
Interest-bearing balances $ 243.01 million
Total securities $ 81.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.79 billion
Loan loss allowance $ 64.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.01 million
Goodwill and other intangibles $ 4.95 million
All other assets $ 86.74 million
     Total Assets $ 5.80 billion

LIABILITIES
Total deposits $ 3.69 billion
      Interest-bearing deposits $ 3.60 billion
      Deposits held in domestic offices $ 3.69 billion
      % insured (estimated)" 84.11%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1,091.00 million
Subordinated debt N.A.
All other liabilities $ 16.50 millionn
      Total Liabilities $ 5.80 billion
      Shareholders’ Equity $ 507.26 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 489.17 million
Total Interest Expense $ 208.87 million
Net interest income $ 280.30 million
Provision for loan and lease losses $ 7.40 million
Total non interest income $ 21.29 million
Total non interest expense $ 71.20 million
Pre-tax Net Operating Income $ 78.29 million

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