First National Bank of America: how it compares with its peers
Against 246 U.S. banks with half to twice its assets, First National Bank of America's strongest measure in Q2 2026 is return on assets (2.79% vs. a 1.34% peer median). Its weakest relative measure is assets per employee ($16.6M vs. $10.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.79% | 1.34% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.86% | 3.68% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 26.64% | 54.91% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.6M | $10.0M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 160.07% | 88.12% | Context |
What it means for lending operations
Its efficiency ratio of 26.64% is better than the 54.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
- Old Second National Bank Aurora, IL · $6.86B
- Intrust Bank, National Association Wichita, KS · $6.76B
- City National Bank of West Virginia Charleston, WV · $6.76B
- Third Coast Bank Humble, TX · $6.73B
- Heartland Bank and Trust Company Bloomington, IL · $6.72B
Questions about First National Bank of America
How big is First National Bank of America?
First National Bank of America, established in 1955, is headquartered in East Lansing, MI. It reported $6.82B in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First National Bank of America's return on assets?
2.79% annualized in Q2 2026, against a 1.34% median for 246 U.S. banks with half to twice its assets, ahead of 95% of them.
What is First National Bank of America's efficiency ratio?
26.64% in Q2 2026: it spent about 27 cents in noninterest expense for each dollar of revenue. The peer median is 54.91%, and lower is better.
Is First National Bank of America growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 3.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.