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5200 Cascade Road, S.E.
Grand Rapids, MI 49546

Founders Bank & Trust is headquartered in Grand Rapids and is the 27th largest bank in the state of Michigan. It is also the 1,450th largest bank in the nation. It was established in 1991 and as of March of 2014, it had grown to 99 employees at 4 locations. Founders Bank & Trust has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Founders Bank & Trust had $3.93 million in non-current loans and owned real-estate with $45.92 million in equity and loan loss allowances on hand to cover it. This gives Founders Bank & Trust a Texas Ratio of 8.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Founders Bank & Trust experienced no significant changes from 8.96% as of March 31, 2013 to 8.56% as of March 31, 2014, resulting in a positive change of 4.42%.This indicates that the balance sheet and financial strength for Founders Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, Founders Bank & Trust has decreased its total deposits by $-449,000, resulting in -0.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Founders Bank & Trust has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Founders Bank & Trust has $466.06 million in assets with $45.92 million in equity, resulting in a capitalization level of 9.85%, which is above average.

Institution Statistics

FDIC Certificate #33533
Year Established1991
Primary RegulatorFDIC
Assets and Liabilities
Assets$466.06 million
Loans$342.36 million
Deposits$378.56 million
Equity Capital$41.79 million
Loan Loss Allowance$4.13 million
Unbacked Noncurrent Loans$2.15 million
Real Estate Owned$1.78 million
Historic Data - March 2013
Assets$454.77 million
Equity Capital$45.30 million
Loan Loss Allowance$4.27 million
Unbacked Noncurrent Loans$2.15 million
Real Estate Owned$1.77 million
Profit Margin - Quarterly
Net Interest Margin3.56%
Return on Assets1.03%
Return on Equity11.17%
Interest Income$4.38 million
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Founders Bank & Trust CD Rates

0.75%$500-25 Month Relationship CD Special
0.50%$500-13 Month Relationship CD Special

Founders Bank & Trust Locations
Monroe Street Branch161 Monroe Street, N.W.Grand Rapids, MI 49503
Northland Branch5020 East Beltline Avenue Ne,Grand Rapids, MI 49525
Founders Bank & Trust5200 Cascade Road, S.E.Grand Rapids, MI 49546
Grandville Branch5601 Wilson Ave, S.W.Grandville, MI 49418