First Citizens Nb Upper Sand (FDIC #14355): Bank Stress & Real-Estate Credit Exposure
First Citizens Nb Upper Sand (FDIC Cert #14355): bank stress 77/100, severe, STABLE over 7 days.
First Citizens Nb Upper Sand (#14355) lends in 4 counties across 1 state; First Citizens Nb Upper Sand (#14355) reaches 57 ZIP codes: Ohio 4 counties, 57 ZIPs.
First Citizens Nb Upper Sand (#14355) largest markets: Delaware County, OH (48 branches, 24 ZIPs) (#14355), Hardin County, OH (16 branches, 16 ZIPs) (#14355), Marion County, OH (28 branches, 14 ZIPs) (#14355), Wyandot County, OH (39 branches, 13 ZIPs) (#14355).
First Citizens Nb Upper Sand (#14355) reports $389.9 million in total assets; First Citizens Nb Upper Sand (#14355) equity $43.6 million (11.2% of First Citizens Nb Upper Sand (#14355) assets); First Citizens Nb Upper Sand (#14355) domestic deposits $327.1 million; First Citizens Nb Upper Sand (#14355) net income $918,000; First Citizens Nb Upper Sand (#14355) return on assets 0.48%; First Citizens Nb Upper Sand (#14355) return on equity 4.25%; First Citizens Nb Upper Sand (#14355) net interest income $6.8 million; First Citizens Nb Upper Sand (#14355) call report June 30, 2026.
First Citizens Nb Upper Sand (#14355) noncurrent real-estate loans: none reported; First Citizens Nb Upper Sand (#14355) net charge-offs on real estate 0.01%.
First Citizens Nb Upper Sand (#14355) net interest margin 4.02% against an eight-quarter First Citizens Nb Upper Sand (#14355) average of 3.71% (First Citizens Nb Upper Sand (#14355) compression -0.31 points); First Citizens Nb Upper Sand (#14355) rate-exposure score 40/100, First Citizens Nb Upper Sand (#14355) fixed-rate trap 40/100; First Citizens Nb Upper Sand (#14355) risk type credit driven; First Citizens Nb Upper Sand (#14355) rate regime rates elevated, First Citizens Nb Upper Sand (#14355) snapshot October 19, 2026.
First Citizens Nb Upper Sand (#14355) stress score moved from 77.8 on June 22, 2026 to 76.7 on October 19, 2026; First Citizens Nb Upper Sand (#14355) ranged 76.7 to 77.8 over 116 snapshots.
First Citizens Nb Upper Sand (#14355) alerts: 4 counties; top First Citizens Nb Upper Sand (#14355) alert scores: Marion County, OH 39 (moderate); Dunkirk County, OH 25 (low); Powell County, OH 25 (low); Upper Sandusky County, OH 25 (low).