First National Bank & Trust Co. is a bank based in Iron Mountain, Michigan, established in 1887, with $414 million in total assets across 7 branches. By Trust Grade it ranks 52nd of 73 banks we track in Michigan. Its capital ratio of 8.7% trails most similarly sized banks (24th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against First National Bank & Trust Co. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank & Trust Co. compares to Michigan peers
How we graded First National Bank & Trust Co.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.7% capital ratio)
- Profitable (ROA 0.83%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank & Trust Co. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 128 S Carpenter Ave, Kingsford, MI 49802
- W 8151 Us 2, Iron Mountain, MI 49801
- 233 S Stephenson Ave, Iron Mountain, MI 49801
- 901 Riverside Plz, Iron River, MI 49935
- 3165 Wright St, Marquette, MI 49855
- 3165 Wright St, Marquette, MI 49855
- 3805 10th St, Menominee, MI 49858
Are deposits at First National Bank & Trust Co. insured?
Yes. First National Bank & Trust Co. is an FDIC-insured bank (FDIC certificate #5062). 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 National Bank & Trust Co.: frequently asked questions
Is First National Bank & Trust Co. a good bank?
First National Bank & Trust Co. earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Profitable (ROA 0.83%).
Is First National Bank & Trust Co. FDIC-insured?
Yes. First National Bank & Trust Co. is a FDIC-insured bank (FDIC certificate #5062). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank & Trust Co.?
First National Bank & Trust Co. holds $414 million in total assets, ranking 52nd of 73 banks we track in Michigan. It operates 7 branches.
Does First National Bank & Trust Co. have CFPB complaints?
No CFPB complaints against First National Bank & Trust Co. 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.
