Fsnb National Assn (FDIC #16416): Bank Stress & Real-Estate Credit Exposure
Fsnb National Assn (FDIC Cert #16416): bank stress 13/100, contained, STABLE over 7 days; parent JRMB II INC.
Fsnb National Assn (#16416) lends in 37 counties across 9 states; Fsnb National Assn (#16416) reaches 592 ZIP codes: Tennessee 16 counties, 243 ZIPs; North Carolina 5 counties, 104 ZIPs; Arkansas 4 counties, 60 ZIPs; Mississippi 4 counties, 55 ZIPs; Georgia 3 counties, 44 ZIPs; Louisiana 2 counties, 37 ZIPs.
Fsnb National Assn (#16416) largest markets: Shelby County, TN (246 branches, 41 ZIPs) (#16416), Wake County, NC (123 branches, 41 ZIPs) (#16416), Davidson County, TN (185 branches, 37 ZIPs) (#16416), Knox County, TN (93 branches, 31 ZIPs) (#16416), Caddo County, LA (78 branches, 26 ZIPs) (#16416), Gwinnett County, GA (26 branches, 26 ZIPs) (#16416).
Fsnb National Assn (#16416) reports $478.3 million in total assets; Fsnb National Assn (#16416) equity $83.1 million (17.4% of Fsnb National Assn (#16416) assets); Fsnb National Assn (#16416) domestic deposits $369.7 million; Fsnb National Assn (#16416) net income $8.2 million; Fsnb National Assn (#16416) return on assets 3.46%; Fsnb National Assn (#16416) return on equity 20.45%; Fsnb National Assn (#16416) net interest income $7.8 million; Fsnb National Assn (#16416) call report June 30, 2026.
Fsnb National Assn (#16416) noncurrent real-estate loans: none reported; Fsnb National Assn (#16416) net charge-offs on real estate 0.29%.
Fsnb National Assn (#16416) net interest margin 3.72% against an eight-quarter Fsnb National Assn (#16416) average of 3.75% (Fsnb National Assn (#16416) compression 0.03 points); Fsnb National Assn (#16416) rate-exposure score 40/100, Fsnb National Assn (#16416) fixed-rate trap 40/100; Fsnb National Assn (#16416) risk type rate trapped; Fsnb National Assn (#16416) rate regime rates elevated, Fsnb National Assn (#16416) snapshot October 20, 2026.
Fsnb National Assn (#16416) stress score moved from 14.7 on June 22, 2026 to 13.3 on October 20, 2026; Fsnb National Assn (#16416) ranged 13.3 to 14.7 over 117 snapshots.
Fsnb National Assn (#16416) alerts: 35 counties; top Fsnb National Assn (#16416) alert scores: Jackson County, OK 22 (low); Athens County, OK 11 (low); Bossier City County, OK 11 (low); Canton County, OK 11 (low); Clarksville County, OK 11 (low).