Twin Cedars Bank (FDIC #1556): Bank Stress & Real-Estate Credit Exposure
Twin Cedars Bank (FDIC Cert #1556): bank stress 86/100, severe, STABLE over 7 days; parent TWIN CEDARS BCORP INC.
Twin Cedars Bank (#1556) lends in 4 counties across 1 state; Twin Cedars Bank (#1556) reaches 79 ZIP codes: Iowa 4 counties, 79 ZIPs.
Twin Cedars Bank (#1556) largest markets: Polk County, IA (42 branches, 42 ZIPs) (#1556), Mahaska County, IA (20 branches, 20 ZIPs) (#1556), Marion County, IA (19 branches, 19 ZIPs) (#1556), Monroe County, IA (7 branches, 7 ZIPs) (#1556).
Twin Cedars Bank (#1556) reports $118.3 million in total assets; Twin Cedars Bank (#1556) equity $12.8 million (10.8% of Twin Cedars Bank (#1556) assets); Twin Cedars Bank (#1556) domestic deposits $104.7 million; Twin Cedars Bank (#1556) net income minus $1.4 million; Twin Cedars Bank (#1556) return on assets -2.34%; Twin Cedars Bank (#1556) return on equity -20.88%; Twin Cedars Bank (#1556) net interest income $2.2 million; Twin Cedars Bank (#1556) call report June 30, 2026.
Twin Cedars Bank (#1556) noncurrent real-estate loans 0.59% of its book; Twin Cedars Bank (#1556) net charge-offs on real estate 3.73%; Twin Cedars Bank (#1556) residential charge-offs 9.44%.
Twin Cedars Bank (#1556) net interest margin 3.97% against an eight-quarter Twin Cedars Bank (#1556) average of 4.41% (Twin Cedars Bank (#1556) compression 0.44 points); Twin Cedars Bank (#1556) real-estate loans 58.6% of equity; Twin Cedars Bank (#1556) non-residential real estate 943.6% of equity; Twin Cedars Bank (#1556) rate-exposure score 40/100, Twin Cedars Bank (#1556) fixed-rate trap 40/100; Twin Cedars Bank (#1556) risk type credit driven; Twin Cedars Bank (#1556) rate regime rates elevated, Twin Cedars Bank (#1556) snapshot October 19, 2026.
Twin Cedars Bank (#1556) stress score moved from 83 on June 22, 2026 to 86.3 on October 20, 2026; Twin Cedars Bank (#1556) ranged 83 to 86.3 over 117 snapshots.
Twin Cedars Bank (#1556) alerts: 4 counties; top Twin Cedars Bank (#1556) alert scores: Des Moines County, IA 52 (elevated); Bussey County, IA 28 (low); Lovilia County, IA 28 (low); Oskaloosa County, IA 28 (low).