Listed locations
9
Institution profile
First Community Bank (Harbor Springs, MI)
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- First Community Bank
- Display name
- First Community Bank (Harbor Springs, MI)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- November 1, 1905
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Harbor Springs, MI, 49740, United States
- Website
- https://www.firstcb.com
- FDIC certificate number
- 13179
- Federal Reserve RSSD ID
- 932745
- Domestic location count
- 10
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 13179
- Federal Reserve RSSD ID
- 932745
- LEI
- 254900Q4OHCZ5HC5KM52
- Headquarters
- 200 East Main Street, Harbor Springs, MI, 49740, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 9 of 9 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BIRMINGHAM BRANCH | 379 South Old Woodward Avenue | Birmingham | MI | 48009 |
| 201 NORTH MAIN STREET OFFICE | 201 North Main Street | Cheboygan | MI | 49721-1639 |
| GRAND RAPIDS CASCADE BRANCH | 4455 Cascade Road Southeast | Grand Rapids | MI | 49546 |
| LAKE STREET DRIVE-UP BRANCH | 115 East Lake Street | Harbor Springs | MI | 49740 |
| PLEASANTVIEW DRIVE-UP BRANCH | M-119 And Pleasantview Road | Harbor Springs | MI | 49740 |
| DIVISION ROAD DRIVE-UP BRANCH | 2201 East Mitchell | Petoskey | MI | 49770 |
| PETOSKEY MAIN BRANCH | 330 East Mitchell | Petoskey | MI | 49770 |
| SPRING STREET DRIVE-UP BRANCH | 930 Spring Street | Petoskey | MI | 49770 |
| TRAVERSE CITY MAIN BRANCH | 107 Cass Street, Suite 6 | Traverse City | MI | 49684 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- February 3, 2025
- Regulator
- Federal Reserve
- Examination method
- Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| February 3, 2025 | Satisfactory | Federal Reserve | Small Bank |
| January 3, 2022 | Satisfactory | Federal Reserve | Small Bank |
| October 16, 2017 | Satisfactory | Federal Reserve | Small Bank |
| September 30, 2013 | Satisfactory | Federal Reserve | Small Bank |
| September 28, 2009 | Satisfactory | Federal Reserve | Small Bank |
| September 26, 2005 | Satisfactory | Federal Reserve | Small Bank |
| July 9, 2001 | Satisfactory | Federal Reserve | Small Bank |
| February 10, 1997 | Satisfactory | Federal Reserve | Small Bank |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| December 1, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FCB INSURANCE AGENCY, INC. | Domestic Entity Other | Harbor Springs, MI |
| ROOT_INSTITUTION | FIRST COMMUNITY BANK | State Member Bank | Harbor Springs, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank