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North Avenue Office

Northern Michigan Bank & Trust has been providing deposit, lending, investment, and other financial services for the Central Upper Peninsula since 1892. We invite you to browse through our pages to discover how we can serve your banking needs.

Press Release, Exciting News!

Escanaba, MI, June 1st, 2017 – The directors of First Bancshares Corporation (First Bancshares), the parent company of First Bank Upper Michigan (First Bank) and Northern Michigan Bank & Trust (NMB&T) announce today that an application has been filed with the appropriate regulatory agencies. NMB&T will merge into First Bank Upper Michigan. The Directors have chosen First Bank Upper Michigan as the name for all 10 locations throughout the central Upper Peninsula.  

In November 2015, First Bancshares Corporation announced the acquisition of NMB&T.  Following regulatory approval the actual ownership change was consummated on March 2nd, 2016.  Since then the acquisition has proven to fit with First Bancshares’ strategic focus.  The banks have worked together in many ways over the past 16 months and this merger will only further enhance the synergies.

Once the merger is completed, under one bank charter, First Bank will have over 115 associates with 10 branches located in Delta, Marquette, and Dickinson Counties. The banks will see additional economic benefits by reducing the duplication of resources toward compliance, auditing, regulatory examinations and other outside consultants needed to comply within our current regulatory environment.  

“This is the next logical step in our desire to remain a strong community bank enhancing our ability to improve client services and provide more opportunity to our professional staff of caring associates,”  said Jeanine Dagenais, President and Chairperson of First Bancshares. 

Currently, both banks use the same core processing system which will help to simplify the system integration process.  Our third party IT provider will be assisting the banks to ensure an accurate and proficient integration.

“We plan on continuing to improve our products and provide our clients with the best banking solutions available while still maintaining our local bank feeling.  We will still have the same smiling faces our clients have grown to know and rely upon,” noted Todd Maki, President & CEO of First Bank.

The merger is tentatively planned for the fourth quarter of 2017.

About First Bancshares Corporation

First Bancshares is a private holding company that was formed when it acquired First Bank Upper Michigan in 1988 and continued to grow with Northern Michigan Bank & Trust in March of 2016.  First Bank provides a full range of consumer and commercial banking as well as investment management services at its locations in Escanaba, Gladstone, Garden, Marquette, Ishpeming, Iron Mountain, Kingsford and Bark River.  First Bank was originally formed from the purchase of First National Bank of Gladstone MI in 1988. First National Bank of Gladstone was formed in 1916, and is currently celebrating over 100 years in serving our local communities.  Sound management and exceptional client services are the foundations upon which First Bank was founded and are common threads that have been woven through time to carry the bank forward.  For more information about First Bank, go to   

Phone Scam Alert

The Gogebic County Sheriff's Office is warning Upper Peninsula residents to watch out for a new phone scam involving Visa or MasterCard credit cards.  The caller poses as a Security and Fraud Department worker for the credit card company.  Keep in mind that legitimate credit card companies will not ask for your credit card information because they already have your information on file.

After making you think there has been fraud on your account and the fake "representative" is trying to resolve the issue for you, the scammer will say that they need to verify that you are in possession of your card, the caller will ask you to flip your card over and provide them with the three digit code listed on the back of your card.  At this point in the conversation DO NOT provide your three digit code Tell the scammer you will call Visa or MasterCard directly for verification of the conversation.  HANG UP YOUR PHONE and call the contact number that is listed on the back on your credit card to verify if there has been any suspicious activity on your account.  

Never call phone numbers that are provided to you by a random person calling your home.  Anytime you suspect a call isn't "quite right", hang up and please be proactive about keeping your financial information safe and secure. Sign up for Visa Debit card alerts to keep an eye on your Visa Debit card activity. 

New Online Financial Tools!

We are pleased to announce our new online financial tools. Check out our Investment Management page for resources to help you with your financial planning.

Your Visa Debit Card is now Apple Pay and Samsung Pay ready.

Add your NMB&T Visa Debit card to your digital wallet (if applicable). Compatible devices for Apple Pay are iPhone 7 Plus, iPhone 7, iphone 6s, iPhone 6s Plus and iPhone SE.  Compatible devices for Samsung Pay are Galaxy S7, Galaxy S7 Edge, Galaxy Note5, Galaxy Note7, Galaxy S6 edge, Galaxy S6 Edge+, Galaxy S6 and Galaxy S6 Active. Provisioning assistance for Apple Pay and Samsung Pay is available by calling 1-844-590-5254. Northern Michigan Bank & Trust does not charge for this service. Please note: Message and data rates may apply through your phone carrier service.

SERVING:    Escanaba    Marquette    Ishpeming   Kingsford    Bark River    Gladstone    Iron Mountain
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