Constitution Bank NA (FDIC #16276): Bank Stress & Real-Estate Credit Exposure
Constitution Bank NA (FDIC Cert #16276): bank stress 71/100, elevated, STABLE over 7 days; parent COUNTRY BCORP INC.
Constitution Bank NA (#16276) lends in 7 counties across 1 state; Constitution Bank NA (#16276) reaches 120 ZIP codes: Illinois 7 counties, 120 ZIPs.
Constitution Bank NA (#16276) largest markets: Madison County, IL (216 branches, 36 ZIPs) (#16276), Macoupin County, IL (56 branches, 28 ZIPs) (#16276), Montgomery County, IL (56 branches, 28 ZIPs) (#16276), Fayette County, IL (20 branches, 20 ZIPs) (#16276), Clinton County, IL (17 branches, 17 ZIPs) (#16276), Effingham County, IL (15 branches, 15 ZIPs) (#16276).
Constitution Bank NA (#16276) reports $683.1 million in total assets; Constitution Bank NA (#16276) equity $62.1 million (9.1% of Constitution Bank NA (#16276) assets); Constitution Bank NA (#16276) domestic deposits $618.6 million; Constitution Bank NA (#16276) net income $3.8 million; Constitution Bank NA (#16276) return on assets 1.13%; Constitution Bank NA (#16276) return on equity 12.69%; Constitution Bank NA (#16276) net interest income $11.8 million; Constitution Bank NA (#16276) call report June 30, 2026.
Constitution Bank NA (#16276) noncurrent real-estate loans: none reported; Constitution Bank NA (#16276) net charge-offs on real estate 0.68%; Constitution Bank NA (#16276) residential charge-offs 0.30%.
Constitution Bank NA (#16276) net interest margin 3.70% against an eight-quarter Constitution Bank NA (#16276) average of 3.21% (Constitution Bank NA (#16276) compression -0.48 points); Constitution Bank NA (#16276) non-residential real estate 29.5% of equity; Constitution Bank NA (#16276) rate-exposure score 40/100, Constitution Bank NA (#16276) fixed-rate trap 40/100; Constitution Bank NA (#16276) risk type credit driven; Constitution Bank NA (#16276) rate regime rates elevated, Constitution Bank NA (#16276) snapshot October 19, 2026.
Constitution Bank NA (#16276) stress score moved from 69.1 on June 22, 2026 to 71 on October 19, 2026; Constitution Bank NA (#16276) ranged 69.1 to 71 over 116 snapshots.
Constitution Bank NA (#16276) alerts: 7 counties; top Constitution Bank NA (#16276) alert scores: Effingham County, IL 49 (moderate); Carlyle County, IL 25 (low); Greenville County, IL 25 (low); Hillsboro County, IL 25 (low); Staunton County, IL 25 (low).