Fusion Bank (FDIC #15899): Bank Stress & Real-Estate Credit Exposure

Fusion Bank (FDIC Cert #15899): bank stress 43/100, contained, STABLE over 7 days; parent FIRST STATE FINANCIAL CORP.

Fusion Bank (#15899) lends in 3 counties across 1 state; Fusion Bank (#15899) reaches 54 ZIP codes: Kansas 3 counties, 54 ZIPs.

Fusion Bank (#15899) largest markets: Johnson County, KS (35 branches, 35 ZIPs) (#15899), Pratt County, KS (11 branches, 11 ZIPs) (#15899), Pawnee County, KS (9 branches, 9 ZIPs) (#15899).

Fusion Bank (#15899) reports $281.0 million in total assets; Fusion Bank (#15899) equity $34.0 million (12.1% of Fusion Bank (#15899) assets); Fusion Bank (#15899) domestic deposits $219.1 million; Fusion Bank (#15899) net income $2.6 million; Fusion Bank (#15899) return on assets 2.01%; Fusion Bank (#15899) return on equity 15.42%; Fusion Bank (#15899) net interest income $4.8 million; Fusion Bank (#15899) call report June 30, 2026.

Fusion Bank (#15899) noncurrent real-estate loans: none reported; Fusion Bank (#15899) net charge-offs on real estate 0.68%; Fusion Bank (#15899) residential charge-offs 1.21%.

Fusion Bank (#15899) net interest margin 3.95% against an eight-quarter Fusion Bank (#15899) average of 3.80% (Fusion Bank (#15899) compression -0.15 points); Fusion Bank (#15899) non-residential real estate 120.7% of equity; Fusion Bank (#15899) rate-exposure score 40/100, Fusion Bank (#15899) fixed-rate trap 40/100; Fusion Bank (#15899) risk type credit driven; Fusion Bank (#15899) rate regime rates elevated, Fusion Bank (#15899) snapshot October 19, 2026.

Fusion Bank (#15899) stress score moved from 39.3 on June 22, 2026 to 42.9 on October 19, 2026; Fusion Bank (#15899) ranged 39.3 to 42.9 over 116 snapshots.

Fusion Bank (#15899) alerts: 3 counties; top Fusion Bank (#15899) alert scores: Pratt County, KS 30 (low); Larned County, KS 17 (low); Overland Park County, KS 17 (low).