First Community Bank
Harbor Springs, MI · Owner: Harbor Springs Financial Corp
$414M
total assets, June 30, 2026
$414M
total assets, June 30, 2026
First Community Bank is a state member bank based in Harbor Springs, MI, owned by Harbor Springs Financial Corp. As of June 30, 2026 it held $413.6 million in assets and $358.3 million in deposits; assets were up 2.2% from a year before. It has 10 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$414M
+2.2% in a year · -0.1% in a quarter
Deposits
$358M
+2.8% in a year · +0.7% in a quarter
Loans
$339M
+4.1% in a year · -0.6% in a quarter
Profit so far
$3.9M
Jan 1 to Jun 30, 2026 · +18.6% in a year
Capital ratio
9.93%
-0.18 pts in a year
Return on assets
1.91%
+0.25 pts in a year
Facts
- Type
- State member bank
- Head office
- 200 E Main St, Harbor Springs, MI, 49740
- County
- Emmet
- Holding company
- Harbor Springs Financial Corp
- Established
- Nov 1, 1905
- Employees
- 69
- Branches
- 10
- Website
- www.firstcb.com
- Id
- b13179
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
10 offices as of June 30, 2026, holding $358.3 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Michigan | 10 | $358M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| First Community Bank (main office) | Harbor Springs, MI | $146M |
| Petoskey Main Office | Petoskey, MI | $63.7M |
| Traverse City Main Branch | Traverse City, MI | $62.9M |
| Grand Rapids Cascade Branch | Grand Rapids, MI | $49.1M |
| Cheboygan Main Office Branch | Cheboygan, MI | $20.1M |
| Birmingham Branch | Birmingham, MI | $16.3M |
| Harbor Springs Airport Branch | Harbor Springs, MI | $0 |
| Harbor Springs Lake St Branch | Harbor Springs, MI | $0 |
| Petoskey Division St Branch | Petoskey, MI | $0 |
| Petoskey Spring Street Branch | Petoskey, MI | $0 |
Related pages
Questions and answers
How big is First Community Bank?
$413.6 million in total assets and $358.3 million in deposits as of June 30, 2026, with assets up 2.2% from a year before. Its loans were $339.4 million.
How many branches does First Community Bank have?
10 branches in Michigan as of June 30, 2026.
Is First Community Bank profitable?
Yes: it earned $3.91 million from January 1 to June 30, 2026 (up 18.6% from the same months a year before). Its return on assets was 1.91% a year; about 1% is typical.
Who owns First Community Bank?
First Community Bank is owned by Harbor Springs Financial Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.