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Overview / Commentary
200 East Main Street
Harbor Springs, MI 49740

First Community Bank (MI) is headquartered in Harbor Springs and is the 46th largest bank in the state of Michigan. It is also the 2,379th largest bank in the nation. It was established in 1905 and as of March of 2017, it had grown to 71 employees at 9 locations. First Community Bank (MI) has an A health rating.


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Health Grade Components

FDIC Certificate #13179
Year Established1905
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.42%
Return on Equity - YTD13.63%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$272.2MM$271.3MM
LoansQ1 2017vs Q1 2016$225.7MM$223.4MM
DepositsQ1 2017vs Q1 2016$225.8MM$236.6MM
Equity CapitalQ1 2017vs Q1 2016$27.9MM$28.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.5MM$2.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$569.00K$2.4MM
Real Estate OwnedQ1 2017vs Q1 2016$558.00K$1.3MM

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First Community Bank (MI) Locations
Traverse City Main Branch102 E Front StreetTraverse City, MI 49684
First Community Bank200 East Main StreetHarbor Springs, MI 49740
Cheboygan Main Office Branch201 North Main StreetCheboygan, MI 49721
Petoskey Main Office330 East MitchellPetoskey, MI 49770
Select Bank Branch60 Monroe CenterGrand Rapids, MI 49503
Harbor Springs Lake St Branch115 East Lake StreetHarbor Springs, MI 49740
Petoskey Spring Street Branch930 Spring StreetPetoskey, MI 49770
Harbor Springs Airport BranchPleasantview Road and M-119Harbor Springs, MI 49740
Petoskey Division St Branch2201 East MitchellPetoskey, MI 49770