First Community Bank

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Find The Right Loan for Your Dream Home

Regardless of your home goals, we help simplify the mortgage process with personalized guidance and support.

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Grow Your Business with First Community Bank

Our communities thrive when businesses succeed. We offer tailored business solutions from cash flow management to financing growth opportunities to ensure you have the tools and support to reach your goals.
 
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Your Money Works Harder When It Stays Local

When you bank local, your money stays close to home powering local growth, supporting neighbors, and strengthening the places we call home.
 
 
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Plan your financial future with our free and easy-to-use calculators.
 
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Find quick answers in our Frequently Asked Questions section.
 
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Find a convenient local branch or ATM near you. Stop by and see us!
 



Family Owned and Trusted Since 1905

 
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Unlock the Value of Your Home with a Flexible Home Equity Line Today

Life is full of surprises and big milestones, but you don't have to navigate them alone. Whether you're upgrading your space, consolidating high interest debt, or investing in your family's education, a home equity loan can provide the flexible funding you need. Use the equity you've already built in your home to secure a more comfortable financial future.

HOME EQUITY LOANS

Mobile banking, access your account anytime, anywhere with the FCB mobile app and online banking



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"I love how convenient working with FCB is. I can just walk over and do all my banking - everything from home loans to my business banking."

Cora Waite

Owner, Little Traverse Tile Works

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Running an independent bookstore makes you understand the value of shopping local. By keeping our banking local with First Community Bank we know we strengthen our local economy all the more.

Matt & Jessilynn Norcross 

Owners, McLean & Eakin Booksellers 

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First Community Bank is always a phone call or walk across the street away. We've been working together for over 20 years, and they always meet our needs.

Josh Baker

Owner, The Outfitter

FCB IN THE COMMUNITY

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We're honored to share First Community Bank has been named the 2025 Corporate Partner of the Year for Northwest Michigan Habitat for Humanity! We're proud to support Habitat's work in building safe, affordable homes and even prouder to stand alongside their incredible team in strengthening our communities.

FCB IN THE COMMUNITY

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We are proud to continue our support of The Manna Food Project as a Hunger Hero sponsor for 2026. Manna’s mission is vital to the well‑being of communities throughout Northern Michigan, and we are honored to stand alongside an organization making such a meaningful impact.

FCB IN THE COMMUNITY

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Ever wonder where you deposits go after they hit your account? With a national bank, they might head to a corporate office thousands of miles away. At First Community Bank, they stay in our local economies. Funds are reinvested into the communities we serve helping neighbor's start their business, a local family buy their home, and sponsoring events.