First Exchange Bank (FDIC #13020): Bank Stress & Real-Estate Credit Exposure

First Exchange Bank (FDIC Cert #13020): bank stress 79/100, severe, STABLE over 7 days; parent HERITAGE BANCSHARES INC.

First Exchange Bank (#13020) lends in 3 counties across 1 state; First Exchange Bank (#13020) reaches 42 ZIP codes: West Virginia 3 counties, 42 ZIPs.

First Exchange Bank (#13020) largest markets: Monongalia County, WV (38 branches, 19 ZIPs) (#13020), Marion County, WV (72 branches, 18 ZIPs) (#13020), Wetzel County, WV (13 branches, 13 ZIPs) (#13020).

First Exchange Bank (#13020) reports $391.1 million in total assets; First Exchange Bank (#13020) equity $31.1 million (7.9% of First Exchange Bank (#13020) assets); First Exchange Bank (#13020) domestic deposits $356.5 million; First Exchange Bank (#13020) net income $1.8 million; First Exchange Bank (#13020) return on assets 0.93%; First Exchange Bank (#13020) return on equity 11.74%; First Exchange Bank (#13020) net interest income $6.8 million; First Exchange Bank (#13020) call report June 30, 2026.

First Exchange Bank (#13020) noncurrent real-estate loans: none reported; First Exchange Bank (#13020) multifamily -5.52%; First Exchange Bank (#13020) residential 0.93%; First Exchange Bank (#13020) net charge-offs on real estate 2.20%; First Exchange Bank (#13020) multifamily charge-offs 5.83%; First Exchange Bank (#13020) residential charge-offs 1.85%.

First Exchange Bank (#13020) net interest margin 3.79% against an eight-quarter First Exchange Bank (#13020) average of 3.39% (First Exchange Bank (#13020) compression -0.40 points); First Exchange Bank (#13020) non-residential real estate 185.4% of equity; First Exchange Bank (#13020) rate-exposure score 40/100, First Exchange Bank (#13020) fixed-rate trap 40/100; First Exchange Bank (#13020) risk type credit driven; First Exchange Bank (#13020) rate regime rates elevated, First Exchange Bank (#13020) snapshot October 19, 2026.

First Exchange Bank (#13020) stress score moved from 78.5 on June 22, 2026 to 79.1 on October 19, 2026; First Exchange Bank (#13020) ranged 78.5 to 79.1 over 116 snapshots.

First Exchange Bank (#13020) alerts: 3 counties; top First Exchange Bank (#13020) alert scores: Hundred County, WV 25 (low); Mannington County, WV 25 (low); Morgantown County, WV 25 (low).