First State Bank&Trust (FDIC #14974): Bank Stress & Real-Estate Credit Exposure
First State Bank&Trust (FDIC Cert #14974): bank stress 73/100, elevated, STABLE over 7 days; parent TONGANOXIE BANKSHARES INC.
First State Bank&Trust (#14974) lends in 4 counties across 1 state; First State Bank&Trust (#14974) reaches 46 ZIP codes: Kansas 4 counties, 46 ZIPs.
First State Bank&Trust (#14974) largest markets: Jefferson County, KS (15 branches, 15 ZIPs) (#14974), Wyandotte County, KS (14 branches, 14 ZIPs) (#14974), Leavenworth County, KS (39 branches, 13 ZIPs) (#14974), Douglas County, KS (24 branches, 12 ZIPs) (#14974).
First State Bank&Trust (#14974) reports $514.9 million in total assets; First State Bank&Trust (#14974) equity $43.3 million (8.4% of First State Bank&Trust (#14974) assets); First State Bank&Trust (#14974) domestic deposits $457.6 million; First State Bank&Trust (#14974) net income $3.0 million; First State Bank&Trust (#14974) return on assets 1.18%; First State Bank&Trust (#14974) return on equity 13.94%; First State Bank&Trust (#14974) net interest income $10.5 million; First State Bank&Trust (#14974) call report June 30, 2026.
First State Bank&Trust (#14974) noncurrent real-estate loans 0.51% of its book; First State Bank&Trust (#14974) residential 0.96%; First State Bank&Trust (#14974) net charge-offs on real estate 0.41%; First State Bank&Trust (#14974) residential charge-offs 0.84%.
First State Bank&Trust (#14974) net interest margin 4.45% against an eight-quarter First State Bank&Trust (#14974) average of 4.13% (First State Bank&Trust (#14974) compression -0.32 points); First State Bank&Trust (#14974) real-estate loans 51.5% of equity; First State Bank&Trust (#14974) non-residential real estate 83.6% of equity; First State Bank&Trust (#14974) rate-exposure score 40/100, First State Bank&Trust (#14974) fixed-rate trap 40/100; First State Bank&Trust (#14974) risk type credit driven; First State Bank&Trust (#14974) rate regime rates elevated, First State Bank&Trust (#14974) snapshot October 19, 2026.
First State Bank&Trust (#14974) stress score moved from 73 on June 22, 2026 to 72.5 on October 20, 2026; First State Bank&Trust (#14974) ranged 72.5 to 73 over 117 snapshots.
First State Bank&Trust (#14974) alerts: 4 counties; top First State Bank&Trust (#14974) alert scores: Kansas City County, KS 24 (low); Lawrence County, KS 24 (low); Perry County, KS 24 (low); Tonganoxie County, KS 24 (low).