22nd State Banking Co (FDIC #16910): Bank Stress & Real-Estate Credit Exposure
22nd State Banking Co (FDIC Cert #16910): bank stress 75/100, severe, STABLE over 7 days; parent FEB BANCSHARES INC.
22nd State Banking Co (#16910) lends in 3 counties across 1 state; 22nd State Banking Co (#16910) reaches 63 ZIP codes: Alabama 3 counties, 63 ZIPs.
22nd State Banking Co (#16910) largest markets: Mobile County, AL (78 branches, 39 ZIPs) (#16910), Geneva County, AL (14 branches, 14 ZIPs) (#16910), Escambia County, AL (10 branches, 10 ZIPs) (#16910).
22nd State Banking Co (#16910) reports $292.2 million in total assets; 22nd State Banking Co (#16910) equity $33.7 million (11.5% of 22nd State Banking Co (#16910) assets); 22nd State Banking Co (#16910) domestic deposits $241.9 million; 22nd State Banking Co (#16910) net income $712,000; 22nd State Banking Co (#16910) return on assets 0.51%; 22nd State Banking Co (#16910) return on equity 4.07%; 22nd State Banking Co (#16910) net interest income $8.5 million; 22nd State Banking Co (#16910) call report June 30, 2026.
22nd State Banking Co (#16910) noncurrent real-estate loans 0.50% of its book; 22nd State Banking Co (#16910) residential 1.27%; 22nd State Banking Co (#16910) net charge-offs on real estate 3.16%; 22nd State Banking Co (#16910) residential charge-offs 6.65%.
22nd State Banking Co (#16910) net interest margin 6.81% against an eight-quarter 22nd State Banking Co (#16910) average of 6.74% (22nd State Banking Co (#16910) compression -0.07 points); 22nd State Banking Co (#16910) real-estate loans 49.8% of equity; 22nd State Banking Co (#16910) non-residential real estate 664.7% of equity; 22nd State Banking Co (#16910) rate-exposure score 40/100, 22nd State Banking Co (#16910) fixed-rate trap 40/100; 22nd State Banking Co (#16910) risk type credit driven; 22nd State Banking Co (#16910) rate regime rates elevated, 22nd State Banking Co (#16910) snapshot October 19, 2026.
22nd State Banking Co (#16910) stress score moved from 71.8 on June 22, 2026 to 74.9 on October 19, 2026; 22nd State Banking Co (#16910) ranged 71.8 to 74.9 over 116 snapshots.
22nd State Banking Co (#16910) alerts: 3 counties; top 22nd State Banking Co (#16910) alert scores: Mobile County, AL 39 (moderate); Geneva County, AL 26 (low); Brewton County, AL 24 (low).