Bank3 (FDIC #15205): Bank Stress & Real-Estate Credit Exposure

Bank3 (FDIC Cert #15205): bank stress 80/100, severe, STABLE over 7 days; parent BANC3 HOLDINGS INC.

Bank3 (#15205) lends in 4 counties across 2 states; Bank3 (#15205) reaches 76 ZIP codes: Tennessee 3 counties, 66 ZIPs; Mississippi 1 county, 10 ZIPs.

Bank3 (#15205) largest markets: Shelby County, TN (82 branches, 41 ZIPs) (#15205), Madison County, TN (13 branches, 13 ZIPs) (#15205), Obion County, TN (24 branches, 12 ZIPs) (#15205), Desoto County, MS (10 branches, 10 ZIPs) (#15205).

Bank3 (#15205) reports $491.8 million in total assets; Bank3 (#15205) equity $51.8 million (10.5% of Bank3 (#15205) assets); Bank3 (#15205) domestic deposits $433.8 million; Bank3 (#15205) net income $1.0 million; Bank3 (#15205) return on assets 0.42%; Bank3 (#15205) return on equity 3.98%; Bank3 (#15205) net interest income $7.4 million; Bank3 (#15205) call report June 30, 2026.

Bank3 (#15205) noncurrent real-estate loans 0.02% of its book; Bank3 (#15205) net charge-offs on real estate 0.00%.

Bank3 (#15205) net interest margin 3.13% against an eight-quarter Bank3 (#15205) average of 2.81% (Bank3 (#15205) compression -0.32 points); Bank3 (#15205) real-estate loans 2.1% of equity; Bank3 (#15205) rate-exposure score 40/100, Bank3 (#15205) fixed-rate trap 40/100; Bank3 (#15205) risk type credit driven; Bank3 (#15205) rate regime rates elevated, Bank3 (#15205) snapshot October 20, 2026.

Bank3 (#15205) stress score moved from 79.7 on June 22, 2026 to 80.3 on October 20, 2026; Bank3 (#15205) ranged 79.7 to 80.3 over 117 snapshots.

Bank3 (#15205) alerts: 4 counties; top Bank3 (#15205) alert scores: Jackson County, TN 38 (moderate); Memphis County, TN 25 (low); Southaven County, TN 25 (low); Woodland Mills County, TN 25 (low).