Claxton Bank (FDIC #15826): Bank Stress & Real-Estate Credit Exposure

Claxton Bank (FDIC Cert #15826): bank stress 78/100, severe, STABLE over 7 days; parent TCB FINANCIAL INC.

Claxton Bank (#15826) lends in 3 counties across 2 states; Claxton Bank (#15826) reaches 48 ZIP codes: Georgia 2 counties, 10 ZIPs; Florida 1 county, 38 ZIPs.

Claxton Bank (#15826) largest markets: Duval County, FL (38 branches, 38 ZIPs) (#15826), Evans County, GA (14 branches, 7 ZIPs) (#15826), Bryan County, GA (3 branches, 3 ZIPs) (#15826).

Claxton Bank (#15826) reports $304.8 million in total assets; Claxton Bank (#15826) equity $35.6 million (11.7% of Claxton Bank (#15826) assets); Claxton Bank (#15826) domestic deposits $249.1 million; Claxton Bank (#15826) net income $486,000; Claxton Bank (#15826) return on assets 0.34%; Claxton Bank (#15826) return on equity 2.75%; Claxton Bank (#15826) net interest income $5.5 million; Claxton Bank (#15826) call report June 30, 2026.

Claxton Bank (#15826) noncurrent real-estate loans: none reported; Claxton Bank (#15826) net charge-offs on real estate 2.82%; Claxton Bank (#15826) residential charge-offs 4.09%.

Claxton Bank (#15826) net interest margin 4.08% against an eight-quarter Claxton Bank (#15826) average of 4.39% (Claxton Bank (#15826) compression 0.30 points); Claxton Bank (#15826) non-residential real estate 409.3% of equity; Claxton Bank (#15826) rate-exposure score 40/100, Claxton Bank (#15826) fixed-rate trap 40/100; Claxton Bank (#15826) risk type credit driven; Claxton Bank (#15826) rate regime rates elevated, Claxton Bank (#15826) snapshot October 19, 2026.

Claxton Bank (#15826) stress score moved from 79.1 on June 22, 2026 to 77.8 on October 19, 2026; Claxton Bank (#15826) ranged 77.8 to 79.1 over 116 snapshots.

Claxton Bank (#15826) alerts: 3 counties; top Claxton Bank (#15826) alert scores: Claxton County, GA 23 (low); Jacksonville County, GA 23 (low); Richmond Hill County, GA 23 (low).