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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 2,307th largest bank in the nation. It was established in 1905 and as of September of 2017, it had grown to 69 employees at 9 locations. First Community Bank (MI) has an A health rating.

Reviews (1)

Our Hometown Bank

We were relatively happy with our experience with First Community. We had maintained a checking account with the institution for around 4 years. We were very pleased with the bank's customer service and always felt welcome in the bank. The staff always maintained a professional and friendly demeanor and we were always treated like valued customers. I think the only real issue we had was when we would travel. It is nice to have the ability to use the resources of a national bank when one is away from home. Our current bank has in-network atms almost everywhere, so it was a large factor in our decision to leave the bank, but for a local institution, First Community does an excellent job.


Health Grade Components

FDIC Certificate #13179
Year Established1905
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD15.52%
Annual Interest Income$9.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$283.2MM$265.2MM
LoansQ3 2017vs Q3 2016$234.9MM$220.1MM
DepositsQ3 2017vs Q3 2016$247.5MM$228.8MM
Equity CapitalQ3 2017vs Q3 2016$28.3MM$28.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.6MM$2.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$426.00K$2.8MM
Real Estate OwnedQ3 2017vs Q3 2016$637.00K$911.00K

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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