Fnb Bank (FDIC #14420): Bank Stress & Real-Estate Credit Exposure
Fnb Bank (FDIC Cert #14420): bank stress 69/100, elevated, STABLE over 7 days; parent FIRST NATL BANCSHARES PROFIT SHARING&EMPLOYEE STK OWNERSHIP PLAN&TR.
Fnb Bank (#14420) lends in 5 counties across 2 states; Fnb Bank (#14420) reaches 63 ZIP codes: Kansas 3 counties, 15 ZIPs; Colorado 2 counties, 48 ZIPs.
Fnb Bank (#14420) largest markets: Adams County, CO (35 branches, 35 ZIPs) (#14420), Yuma County, CO (13 branches, 13 ZIPs) (#14420), Decatur County, KS (8 branches, 8 ZIPs) (#14420), Cheyenne County, KS (5 branches, 5 ZIPs) (#14420), Sherman County, KS (4 branches, 4 ZIPs) (#14420).
Fnb Bank (#14420) reports $270.3 million in total assets; Fnb Bank (#14420) equity $23.8 million (8.8% of Fnb Bank (#14420) assets); Fnb Bank (#14420) domestic deposits $235.0 million; Fnb Bank (#14420) net income $1.8 million; Fnb Bank (#14420) return on assets 1.28%; Fnb Bank (#14420) return on equity 15.48%; Fnb Bank (#14420) net interest income $6.0 million; Fnb Bank (#14420) call report June 30, 2026.
Fnb Bank (#14420) noncurrent real-estate loans: none reported; Fnb Bank (#14420) net charge-offs on real estate 3.23%; Fnb Bank (#14420) residential charge-offs 0.98%.
Fnb Bank (#14420) net interest margin 4.65% against an eight-quarter Fnb Bank (#14420) average of 4.40% (Fnb Bank (#14420) compression -0.24 points); Fnb Bank (#14420) non-residential real estate 98.2% of equity; Fnb Bank (#14420) rate-exposure score 40/100, Fnb Bank (#14420) fixed-rate trap 40/100; Fnb Bank (#14420) risk type credit driven; Fnb Bank (#14420) rate regime rates elevated, Fnb Bank (#14420) snapshot October 19, 2026.
Fnb Bank (#14420) stress score moved from 72.4 on June 22, 2026 to 69.1 on October 19, 2026; Fnb Bank (#14420) ranged 69.1 to 72.4 over 116 snapshots.
Fnb Bank (#14420) alerts: 5 counties; top Fnb Bank (#14420) alert scores: Bennett County, KS 23 (low); Goodland County, KS 23 (low); Kirk County, KS 23 (low); Oberlin County, KS 23 (low); Saint Francis County, KS 23 (low).