Pilgrim Bank (FDIC #16891): Bank Stress & Real-Estate Credit Exposure

Pilgrim Bank (FDIC Cert #16891): bank stress 81/100, severe, STABLE over 7 days; parent PILGRIM BCORP.

Pilgrim Bank (#16891) lends in 10 counties across 1 state; Pilgrim Bank (#16891) reaches 93 ZIP codes: Texas 10 counties, 93 ZIPs.

Pilgrim Bank (#16891) largest markets: Smith County, TX (23 branches, 23 ZIPs) (#16891), Wise County, TX (18 branches, 18 ZIPs) (#16891), Hopkins County, TX (13 branches, 13 ZIPs) (#16891), Wichita County, TX (33 branches, 11 ZIPs) (#16891), Archer County, TX (20 branches, 10 ZIPs) (#16891), Wilbarger County, TX (6 branches, 6 ZIPs) (#16891).

Pilgrim Bank (#16891) reports $714.6 million in total assets; Pilgrim Bank (#16891) equity $66.4 million (9.3% of Pilgrim Bank (#16891) assets); Pilgrim Bank (#16891) domestic deposits $578.4 million; Pilgrim Bank (#16891) net income $2.1 million; Pilgrim Bank (#16891) return on assets 0.58%; Pilgrim Bank (#16891) return on equity 6.24%; Pilgrim Bank (#16891) net interest income $9.7 million; Pilgrim Bank (#16891) call report June 30, 2026.

Pilgrim Bank (#16891) noncurrent real-estate loans: none reported; Pilgrim Bank (#16891) net charge-offs on real estate 0.09%.

Pilgrim Bank (#16891) net interest margin 2.92% against an eight-quarter Pilgrim Bank (#16891) average of 2.72% (Pilgrim Bank (#16891) compression -0.19 points); Pilgrim Bank (#16891) rate-exposure score 40/100, Pilgrim Bank (#16891) fixed-rate trap 40/100; Pilgrim Bank (#16891) risk type credit driven; Pilgrim Bank (#16891) rate regime rates elevated, Pilgrim Bank (#16891) snapshot October 19, 2026.

Pilgrim Bank (#16891) stress score moved from 78.2 on June 22, 2026 to 81.3 on October 19, 2026; Pilgrim Bank (#16891) ranged 78.2 to 81.3 over 116 snapshots.

Pilgrim Bank (#16891) alerts: 10 counties; top Pilgrim Bank (#16891) alert scores: Tyler County, TX 40 (moderate); Clarendon County, TX 24 (low); Decatur County, TX 24 (low); Mount Pleasant County, TX 24 (low); Pittsburg County, TX 24 (low).