First State Bank (FDIC #15271): Bank Stress & Real-Estate Credit Exposure
First State Bank (FDIC Cert #15271): bank stress 78/100, severe, STABLE over 7 days; parent FIRST STATE BANCSHARES INC.
First State Bank (#15271) lends in 3 counties across 1 state; First State Bank (#15271) reaches 46 ZIP codes: Wisconsin 3 counties, 46 ZIPs.
First State Bank (#15271) largest markets: Portage County, WI (21 branches, 21 ZIPs) (#15271), Waupaca County, WI (68 branches, 17 ZIPs) (#15271), Wood County, WI (45 branches, 15 ZIPs) (#15271).
First State Bank (#15271) reports $558.1 million in total assets; First State Bank (#15271) equity $49.9 million (8.9% of First State Bank (#15271) assets); First State Bank (#15271) domestic deposits $449.8 million; First State Bank (#15271) net income $2.3 million; First State Bank (#15271) return on assets 0.83%; First State Bank (#15271) return on equity 9.42%; First State Bank (#15271) net interest income $10.0 million; First State Bank (#15271) call report June 30, 2026.
First State Bank (#15271) noncurrent real-estate loans: none reported; First State Bank (#15271) net charge-offs on real estate 0.13%; First State Bank (#15271) residential charge-offs 0.14%.
First State Bank (#15271) net interest margin 3.88% against an eight-quarter First State Bank (#15271) average of 3.40% (First State Bank (#15271) compression -0.48 points); First State Bank (#15271) non-residential real estate 14.3% of equity; First State Bank (#15271) rate-exposure score 40/100, First State Bank (#15271) fixed-rate trap 40/100; First State Bank (#15271) risk type credit driven; First State Bank (#15271) rate regime rates elevated, First State Bank (#15271) snapshot October 19, 2026.
First State Bank (#15271) stress score moved from 79.5 on June 22, 2026 to 77.7 on October 19, 2026; First State Bank (#15271) ranged 77.7 to 79.5 over 116 snapshots.
First State Bank (#15271) alerts: 3 counties; top First State Bank (#15271) alert scores: Waupaca County, WI 52 (elevated); Stevens Point County, WI 25 (low); Wisconsin Rapids County, WI 25 (low).