Trustbank (FDIC #14662): Bank Stress & Real-Estate Credit Exposure
Trustbank (FDIC Cert #14662): bank stress 52/100, moderate, STABLE over 7 days; parent RICH LAND BCORP INC.
Trustbank (#14662) lends in 5 counties across 2 states; Trustbank (#14662) reaches 223 ZIP codes: Illinois 4 counties, 83 ZIPs; Arizona 1 county, 140 ZIPs.
Trustbank (#14662) largest markets: Maricopa County, AZ (420 branches, 140 ZIPs) (#14662), Dupage County, IL (43 branches, 43 ZIPs) (#14662), Wayne County, IL (20 branches, 20 ZIPs) (#14662), Douglas County, IL (13 branches, 13 ZIPs) (#14662), Richland County, IL (18 branches, 9 ZIPs) (#14662).
Trustbank (#14662) reports $640.2 million in total assets; Trustbank (#14662) equity $64.3 million (10.0% of Trustbank (#14662) assets); Trustbank (#14662) domestic deposits $557.6 million; Trustbank (#14662) net income $6.2 million; Trustbank (#14662) return on assets 1.94%; Trustbank (#14662) return on equity 19.69%; Trustbank (#14662) net interest income $12.6 million; Trustbank (#14662) call report June 30, 2026.
Trustbank (#14662) noncurrent real-estate loans 0.30% of its book; Trustbank (#14662) net charge-offs on real estate 0.74%; Trustbank (#14662) residential charge-offs 0.38%.
Trustbank (#14662) net interest margin 4.17% against an eight-quarter Trustbank (#14662) average of 3.90% (Trustbank (#14662) compression -0.26 points); Trustbank (#14662) real-estate loans 30.1% of equity; Trustbank (#14662) non-residential real estate 37.7% of equity; Trustbank (#14662) rate-exposure score 40/100, Trustbank (#14662) fixed-rate trap 40/100; Trustbank (#14662) risk type credit driven; Trustbank (#14662) rate regime rates elevated, Trustbank (#14662) snapshot October 19, 2026.
Trustbank (#14662) stress score moved from 53.3 on June 22, 2026 to 51.6 on October 20, 2026; Trustbank (#14662) ranged 51.6 to 53.3 over 117 snapshots.
Trustbank (#14662) alerts: 5 counties; top Trustbank (#14662) alert scores: Cisne County, IL 20 (low); Olney County, IL 20 (low); Scottsdale County, IL 20 (low); Tuscola County, IL 20 (low); Wheaton County, IL 20 (low).