Total Assets
$413.6M
Total Deposits
$358.3M
Branches
10
Established
1905
First Community Bank is a bank headquartered in Harbor Springs, Michigan, established in 1905. It holds $413.6M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Community Bank earns a TFS Financial Health Grade of B+ (84.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
84.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Community BankHQ | 200 E Main St | Harbor Springs | MI | 11 |
| First Community Bank | 379 S Old Woodward Ave | Birmingham | MI | 11 |
| First Community Bank | 201 N Main St | Cheboygan | MI | 11 |
| First Community Bank | 4455 Cascade Rd Se | Grand Rapids | MI | 11 |
| First Community Bank | 115 E Lake St | Harbor Springs | MI | 23 |
| First Community Bank | 8201 Harbor-Petoskey Rd | Harbor Springs | MI | 23 |
| First Community Bank | 930 Spring St | Petoskey | MI | 23 |
| First Community Bank | 330 E Mitchell St | Petoskey | MI | 11 |
| First Community Bank | 2201 E Mitchell Rd | Petoskey | MI | 23 |
| First Community Bank | 107 Cass Street, Suite 6 | Traverse City | MI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
84.9
Tier 1 capital ratio
9.93%
Return on assets
1.91%
Non-performing loans
0.00%
Efficiency ratio
64.58%
Asset growth (YoY)
2.18%
Suggested direct comparisons
Grand Rapids, MI
$7.5B
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.