First Mutual Holding Company (FMHC) is a mutual holding company that operates a network of community banks, providing a range of financial services including personal and business banking, loans, and wealth management. They generate revenue primarily through interest on loans, service fees, and investment income. Established in 2015, FMHC is notable for its mutual ownership structure, meaning it is owned by its depositors rather than shareholders, which allows it to focus on long-term stability and customer service rather than short-term profits. This structure emphasizes community involvement and customer-centric policies.