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Overview / Commentary
125 Superior Avenue
Crystal Falls, MI 49920

First National Bank of Crystal Falls is headquartered in Crystal Falls and is the 89th largest bank in the state of Michigan. It is also the 4,914th largest bank in the nation. It was established in 1934 and as of December of 2016, it had grown to 20 employees at 3 locations. First National Bank of Crystal Falls has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First National Bank of Crystal Falls has a relatively low asset base.

Health Grade Components

FDIC Certificate #14775
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.02%
Return on Equity - YTD-0.19%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$71.4MM$71.3MM
LoansQ4 2016vs Q4 2015$32.0MM$32.7MM
DepositsQ4 2016vs Q4 2015$62.2MM$62.0MM
Equity CapitalQ4 2016vs Q4 2015$8.7MM$8.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$408.00K$392.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$317.00K$727.00K
Real Estate OwnedQ4 2016vs Q4 2015$1.4MM$988.00K

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First National Bank of Crystal Falls Locations
First National Bank Of Crystal Falls125 Superior AvenueCrystal Falls, MI 49920
Jubilee Foods Branch1363 US Highway 2Crystal Falls, MI 49920
North Dickinson BranchN10151 State Hwy M95Sagola, MI 49881