Savings Bank (FDIC #13216): Bank Stress & Real-Estate Credit Exposure

Savings Bank (FDIC Cert #13216): bank stress 77/100, severe, STABLE over 7 days; parent SAVINGS BCORP INC.

Savings Bank (#13216) lends in 3 counties across 1 state; Savings Bank (#13216) reaches 41 ZIP codes: Ohio 3 counties, 41 ZIPs.

Savings Bank (#13216) largest markets: Fairfield County, OH (19 branches, 19 ZIPs) (#13216), Pickaway County, OH (68 branches, 17 ZIPs) (#13216), Madison County, OH (12 branches, 12 ZIPs) (#13216).

Savings Bank (#13216) reports $520.1 million in total assets; Savings Bank (#13216) equity $53.3 million (10.3% of Savings Bank (#13216) assets); Savings Bank (#13216) domestic deposits $450.2 million; Savings Bank (#13216) net income $1.6 million; Savings Bank (#13216) return on assets 0.63%; Savings Bank (#13216) return on equity 6.15%; Savings Bank (#13216) net interest income $8.6 million; Savings Bank (#13216) call report June 30, 2026.

Savings Bank (#13216) noncurrent real-estate loans: none reported; Savings Bank (#13216) net charge-offs on real estate 0.22%.

Savings Bank (#13216) net interest margin 3.61% against an eight-quarter Savings Bank (#13216) average of 3.11% (Savings Bank (#13216) compression -0.50 points); Savings Bank (#13216) rate-exposure score 40/100, Savings Bank (#13216) fixed-rate trap 40/100; Savings Bank (#13216) risk type credit driven; Savings Bank (#13216) rate regime rates elevated, Savings Bank (#13216) snapshot October 19, 2026.

Savings Bank (#13216) stress score moved from 79.3 on June 22, 2026 to 77.1 on October 19, 2026; Savings Bank (#13216) ranged 77.1 to 79.3 over 116 snapshots.

Savings Bank (#13216) alerts: 3 counties; top Savings Bank (#13216) alert scores: Lancaster County, OH 25 (low); London County, OH 25 (low); Williamsport County, OH 25 (low).