Hicksville Bank (FDIC #16370): Bank Stress & Real-Estate Credit Exposure

Hicksville Bank (FDIC Cert #16370): bank stress 85/100, severe, STABLE over 7 days; parent EMPIRE BANCSHARES INC.

Hicksville Bank (#16370) lends in 4 counties across 2 states; Hicksville Bank (#16370) reaches 70 ZIP codes: Indiana 2 counties, 44 ZIPs; Ohio 2 counties, 26 ZIPs.

Hicksville Bank (#16370) largest markets: Allen County, IN (33 branches, 33 ZIPs) (#16370), Defiance County, OH (16 branches, 16 ZIPs) (#16370), Dekalb County, IN (14 branches, 14 ZIPs) (#16370), Williams County, OH (12 branches, 12 ZIPs) (#16370).

Hicksville Bank (#16370) reports $220.6 million in total assets; Hicksville Bank (#16370) equity $18.0 million (8.2% of Hicksville Bank (#16370) assets); Hicksville Bank (#16370) domestic deposits $198.3 million; Hicksville Bank (#16370) net income $651,000; Hicksville Bank (#16370) return on assets 0.59%; Hicksville Bank (#16370) return on equity 7.16%; Hicksville Bank (#16370) net interest income $3.5 million; Hicksville Bank (#16370) call report June 30, 2026.

Hicksville Bank (#16370) noncurrent real-estate loans: none reported; Hicksville Bank (#16370) net charge-offs on real estate 0.00%.

Hicksville Bank (#16370) net interest margin 3.41% against an eight-quarter Hicksville Bank (#16370) average of 3.21% (Hicksville Bank (#16370) compression -0.20 points); Hicksville Bank (#16370) rate-exposure score 40/100, Hicksville Bank (#16370) fixed-rate trap 40/100; Hicksville Bank (#16370) risk type credit driven; Hicksville Bank (#16370) rate regime rates elevated, Hicksville Bank (#16370) snapshot October 19, 2026.

Hicksville Bank (#16370) stress score moved from 84.3 on June 22, 2026 to 85.2 on October 19, 2026; Hicksville Bank (#16370) ranged 84.3 to 85.2 over 116 snapshots.

Hicksville Bank (#16370) alerts: 4 counties; top Hicksville Bank (#16370) alert scores: Auburn County, OH 28 (low); Edgerton County, OH 28 (low); Grabill County, OH 28 (low); Hicksville County, OH 28 (low).