MICHIGAN FIRST
CULathrup Village, MI
Total Assets
$1.5B
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Total Loans
$1.1B
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MICHIGAN FIRST in MI reported a Texas ratio of 5.4% in Q2 2026, rising +0.8pp from the prior quarter. Nonperforming assets climbed to 1.14%, up +0.11pp sequentially.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $404M | 37.5% | — | — |
| 1-4 family — junior lien | $124M | 11.5% | — | — |
| Multifamily | $21M | 2.0% | — | — |
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.