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First National Bank of Crystal Falls

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.31%5-year CD5 Year Non-Renewable CD
0.40%1-year CD12-17 Month CD
0.15%SavingsStatement Savings

Overview / Commentary
906-875-4505
125 Superior Avenue
Crystal Falls, MI 49920

First National Bank of Crystal Falls is headquartered in Crystal Falls and is the 90th largest bank in the state of Michigan. It is also the 5,013th largest bank in the nation. It was established in 1934 and as of June 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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Health
B
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

Overall
FDIC Certificate #14775
Year Established1934
Employees20
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.03%
Return on Equity - YTD-0.25%
Annual Interest Income$966.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$70.1MM$69.5MM
LoansQ2 2016vs Q2 2015$31.5MM$32.6MM
DepositsQ2 2016vs Q2 2015$60.9MM$60.3MM
Equity CapitalQ2 2016vs Q2 2015$8.8MM$8.7MM
Loan Loss AllowanceQ2 2016vs Q2 2015$388.00K$389.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$270.00K$1.6MM
Real Estate OwnedQ2 2016vs Q2 2015$1.4MM$825.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank of Crystal Falls Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Christmas Club
0.15%--Statement Savings

First National Bank of Crystal Falls Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Money Market Account
OTHER TIERS: 0.20% $1k - $25k | 0.25% $25k - $50k

First National Bank of Crystal Falls Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Super Now - Municipalities Only
OTHER TIERS: 0.10% $5k - $25k | 0.15% $25k - $50k
0.05%--Banclub Checking
0.05%--NOW Checking

First National Bank of Crystal Falls CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$1k-5 Year Non-Renewable CD
1.10%$1k-4 Year Non-Renewable CD
0.90%$1k-36-47 Month CD
0.75%$1k-30-35 Month CD
0.70%$1k-24-29 Month CD
0.45%$1k-18-23 Month CD
0.40%$1k-12-17 Month CD
0.30%$1k-182-364 Day CD
0.20%$1k-90-181 Day CD

First National Bank of Crystal Falls IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$500-60 Month Fixed Rate IRA
0.75%$500-30 Month Fixed Rate IRA
0.70%$500-24 Month Fixed Rate IRA
0.50%$500-1 Year Fixed Rate IRA
0.45%$500-18 Month Fixed Rate IRA
0.40%$100-1 Year Variable Rate IRA
0.30%$500-182 Day Fixed Rate IRA
Locations


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