First Bank (FDIC #12229): Bank Stress & Real-Estate Credit Exposure
First Bank (FDIC Cert #12229): bank stress 83/100, severe, STABLE over 7 days; parent FB CORP.
First Bank (#12229) lends in 20 counties across 4 states; First Bank (#12229) reaches 1,168 ZIP codes: California 14 counties, 998 ZIPs; Missouri 4 counties, 101 ZIPs; Kansas 1 county, 35 ZIPs; Illinois 1 county, 34 ZIPs.
First Bank (#12229) largest markets: Los Angeles County, CA (4,560 branches, 304 ZIPs) (#12229), San Diego County, CA (348 branches, 116 ZIPs) (#12229), San Bernardino County, CA (100 branches, 100 ZIPs) (#12229), Orange County, CA (736 branches, 92 ZIPs) (#12229), Riverside County, CA (228 branches, 76 ZIPs) (#12229), Santa Clara County, CA (63 branches, 63 ZIPs) (#12229).
First Bank (#12229) reports $6.65 billion in total assets; First Bank (#12229) equity $561.2 million (8.4% of First Bank (#12229) assets); First Bank (#12229) domestic deposits $5.83 billion; First Bank (#12229) net income $22.0 million; First Bank (#12229) return on assets 0.66%; First Bank (#12229) return on equity 8.03%; First Bank (#12229) net interest income $96.0 million; First Bank (#12229) call report June 30, 2026.
First Bank (#12229) noncurrent real-estate loans 0.02% of its book; First Bank (#12229) residential 0.05%; First Bank (#12229) net charge-offs on real estate 0.35%; First Bank (#12229) residential charge-offs 0.11%.
First Bank (#12229) net interest margin 3.08% against an eight-quarter First Bank (#12229) average of 2.77% (First Bank (#12229) compression -0.31 points); First Bank (#12229) real-estate loans 2.1% of equity; First Bank (#12229) non-residential real estate 11.3% of equity; First Bank (#12229) rate-exposure score 40/100, First Bank (#12229) fixed-rate trap 40/100; First Bank (#12229) risk type credit driven; First Bank (#12229) rate regime rates elevated, First Bank (#12229) snapshot October 19, 2026.
First Bank (#12229) stress score moved from 82.7 on June 22, 2026 to 82.8 on October 19, 2026; First Bank (#12229) ranged 82.7 to 82.8 over 116 snapshots.
First Bank (#12229) alerts: 19 counties; top First Bank (#12229) alert scores: Arnold County, MO 26 (low); Campbell County, MO 26 (low); Chino County, MO 26 (low); Del Mar County, MO 26 (low); Leawood County, MO 26 (low).