SBA lender profile
First National Bank of Michigan
First National Bank of Michigan appears in the public SBA loan data with 98 funded 7(a) loans since FY2010, totaling $45.9M, an average of $468K per loan, and an estimated 1,478 jobs supported. Its SBA lending concentrates in Michigan and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 4.1%. 35.7% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 66
- Scale 52
- Activity 67
- Consistency 77
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is First National Bank of Michigan the right lender for you?
Lenders fund what they know. First National Bank of Michigan's SBA lending concentrates in Michigan (97 loans) and Manufacturing (20 loans), at an average loan of $468K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $982M
- Headquarters
- Kalamazoo, MI
- FDIC cert
- #58259
- Status
- Active
Where First National Bank of Michigan lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Michigan | 97 | $41.0M |
| West Virginia | 1 | $4.9M |
Metro areas where First National Bank of Michigan funds
What First National Bank of Michigan funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 20 | $12.7M |
| Retail Trade | 18 | $7.0M |
| Wholesale Trade | 5 | $6.3M |
| Construction | 11 | $5.0M |
| Professional and Technical Services | 14 | $4.2M |
| Administrative and Support | 6 | $3.0M |
First National Bank of Michigan SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 6 | $685K |
| 2011 | 4 | $955K |
| 2012 | 3 | $420K |
| 2013 | 7 | $655K |
| 2014 | 3 | $1.0M |
| 2015 | 4 | $435K |
| 2016 | 6 | $920K |
| 2017 | 16 | $4.4M |
| 2018 | 1 | $1.3M |
| 2019 | 8 | $3.1M |
| 2020 | 4 | $1.1M |
| 2021 | 9 | $5.4M |
| 2022 | 9 | $9.0M |
| 2023 | 8 | $3.4M |
| 2024 | 7 | $7.2M |
| 2025 | 3 | $5.9M |
Related SBA lenders
Other lenders active in Michigan or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
First National Bank of Michigan: frequently asked questions
Does First National Bank of Michigan offer SBA loans?
Yes. First National Bank of Michigan appears in the public SBA data with 98 funded SBA 7(a) loans totaling $45.9M.
How many SBA loans has First National Bank of Michigan made?
First National Bank of Michigan is associated with 98 SBA 7(a) loans totaling $45.9M in the public SBA data (as of 2026-03-31).
What is First National Bank of Michigan's SBA charge-off rate?
About 4.1% of First National Bank of Michigan's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does First National Bank of Michigan do most of its SBA lending?
First National Bank of Michigan's SBA lending in the data is most concentrated in Michigan, and by industry in Manufacturing.
Is First National Bank of Michigan an SBA Preferred Lender (PLP)?
The loan record shows First National Bank of Michigan operating under PLP delegated authority: 35 of its 7(a) loans (35.7%) were processed through the Preferred Lenders Program, including 4 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). First National Bank of Michigan SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/first-national-bank-of-michigan/
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