First Bank, Upper Michigan is a bank based in Gladstone, Michigan, established in 1916, with $632 million in total assets across 9 branches. By Trust Grade it ranks 5th of 73 banks we track in Michigan. Its capital ratio of 13.1% is stronger than 81% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 1.95% return on assets. No consumer complaints against First Bank, Upper Michigan appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Bank, Upper Michigan compares to Michigan peers
How we graded First Bank, Upper Michigan
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.1% capital ratio)
- Strongly profitable (ROA 1.95%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Bank, Upper Michigan over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (9)
- 1502 W Washington St, Marquette, MI 49855
- 600 S Carpenter Ave, Kingsford, MI 49802
- 1269 Us 2 And 41, Bark River, MI 49807
- 2800 Ludington St, Escanaba, MI 49829
- 6322 State St, Garden, MI 49835
- 500 S Stephenson Ave, Iron Mountain, MI 49801
- 1921 3rd Ave N, Escanaba, MI 49829
- 743 Palms Avenue, Ishpeming, MI 49849
- 1400 Delta Ave, Gladstone, MI 49837
Are deposits at First Bank, Upper Michigan insured?
Yes. First Bank, Upper Michigan is an FDIC-insured bank (FDIC certificate #14276). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Bank, Upper Michigan: frequently asked questions
Is First Bank, Upper Michigan a good bank?
First Bank, Upper Michigan earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.1% capital ratio); Strongly profitable (ROA 1.95%).
Is First Bank, Upper Michigan FDIC-insured?
Yes. First Bank, Upper Michigan is a FDIC-insured bank (FDIC certificate #14276). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Bank, Upper Michigan?
First Bank, Upper Michigan holds $632 million in total assets, ranking 5th of 73 banks we track in Michigan. It operates 9 branches.
Does First Bank, Upper Michigan have CFPB complaints?
No CFPB complaints against First Bank, Upper Michigan appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
