Mechanics&Farmers Bank (FDIC #12266): Bank Stress & Real-Estate Credit Exposure
Mechanics&Farmers Bank (FDIC Cert #12266): bank stress 62/100, elevated, STABLE over 7 days; parent M&F BCORP INC.
Mechanics&Farmers Bank (#12266) lends in 5 counties across 1 state; Mechanics&Farmers Bank (#12266) reaches 145 ZIP codes: North Carolina 5 counties, 145 ZIPs.
Mechanics&Farmers Bank (#12266) largest markets: Wake County, NC (82 branches, 41 ZIPs) (#12266), Mecklenburg County, NC (37 branches, 37 ZIPs) (#12266), Guilford County, NC (35 branches, 35 ZIPs) (#12266), Forsyth County, NC (22 branches, 22 ZIPs) (#12266), Durham County, NC (51 branches, 17 ZIPs) (#12266).
Mechanics&Farmers Bank (#12266) reports $476.0 million in total assets; Mechanics&Farmers Bank (#12266) equity $67.8 million (14.2% of Mechanics&Farmers Bank (#12266) assets); Mechanics&Farmers Bank (#12266) domestic deposits $402.2 million; Mechanics&Farmers Bank (#12266) net income $1.6 million; Mechanics&Farmers Bank (#12266) return on assets 0.68%; Mechanics&Farmers Bank (#12266) return on equity 4.85%; Mechanics&Farmers Bank (#12266) net interest income $9.5 million; Mechanics&Farmers Bank (#12266) call report June 30, 2026.
Mechanics&Farmers Bank (#12266) noncurrent real-estate loans 0.11% of its book; Mechanics&Farmers Bank (#12266) net charge-offs on real estate 1.47%; Mechanics&Farmers Bank (#12266) residential charge-offs 1.20%.
Mechanics&Farmers Bank (#12266) net interest margin 4.16% against an eight-quarter Mechanics&Farmers Bank (#12266) average of 4.19% (Mechanics&Farmers Bank (#12266) compression 0.03 points); Mechanics&Farmers Bank (#12266) real-estate loans 11.4% of equity; Mechanics&Farmers Bank (#12266) non-residential real estate 120.2% of equity; Mechanics&Farmers Bank (#12266) rate-exposure score 40/100, Mechanics&Farmers Bank (#12266) fixed-rate trap 40/100; Mechanics&Farmers Bank (#12266) risk type credit driven; Mechanics&Farmers Bank (#12266) rate regime rates elevated, Mechanics&Farmers Bank (#12266) snapshot October 20, 2026.
Mechanics&Farmers Bank (#12266) stress score held at 61.9 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Mechanics&Farmers Bank (#12266) alerts: 5 counties; top Mechanics&Farmers Bank (#12266) alert scores: Durham County, NC 38 (moderate); Charlotte County, NC 21 (low); Greensboro County, NC 21 (low); Raleigh County, NC 21 (low); Winston Salem County, NC 21 (low).