First State Community Bank (FDIC #17323): Bank Stress & Real-Estate Credit Exposure
First State Community Bank (FDIC Cert #17323): bank stress 45/100, moderate, STABLE over 7 days; parent FIRST STATE BANCSHARES INC.
First State Community Bank (#17323) lends in 24 counties across 1 state; First State Community Bank (#17323) reaches 267 ZIP codes: Missouri 24 counties, 267 ZIPs.
First State Community Bank (#17323) largest markets: Jefferson County, MO (150 branches, 25 ZIPs) (#17323), Franklin County, MO (92 branches, 23 ZIPs) (#17323), Cape Girardeau County, MO (57 branches, 19 ZIPs) (#17323), New Madrid County, MO (17 branches, 17 ZIPs) (#17323), Washington County, MO (16 branches, 16 ZIPs) (#17323), Iron County, MO (32 branches, 16 ZIPs) (#17323).
First State Community Bank (#17323) reports $4.51 billion in total assets; First State Community Bank (#17323) equity $562.1 million (12.5% of First State Community Bank (#17323) assets); First State Community Bank (#17323) domestic deposits $3.78 billion; First State Community Bank (#17323) net income $41.0 million; First State Community Bank (#17323) return on assets 1.82%; First State Community Bank (#17323) return on equity 14.93%; First State Community Bank (#17323) net interest income $78.8 million; First State Community Bank (#17323) call report June 30, 2026.
First State Community Bank (#17323) noncurrent real-estate loans 0.02% of its book; First State Community Bank (#17323) residential 0.07%; First State Community Bank (#17323) net charge-offs on real estate 0.80%; First State Community Bank (#17323) residential charge-offs 0.99%.
First State Community Bank (#17323) net interest margin 3.83% against an eight-quarter First State Community Bank (#17323) average of 3.68% (First State Community Bank (#17323) compression -0.15 points); First State Community Bank (#17323) real-estate loans 2.5% of equity; First State Community Bank (#17323) non-residential real estate 98.5% of equity; First State Community Bank (#17323) rate-exposure score 40/100, First State Community Bank (#17323) fixed-rate trap 40/100; First State Community Bank (#17323) risk type credit driven; First State Community Bank (#17323) rate regime rates elevated, First State Community Bank (#17323) snapshot October 19, 2026.
First State Community Bank (#17323) stress score moved from 47.5 on June 22, 2026 to 45.4 on October 19, 2026; First State Community Bank (#17323) ranged 45.4 to 47.5 over 116 snapshots.
First State Community Bank (#17323) alerts: 24 counties; top First State Community Bank (#17323) alert scores: Washington County, MO 38 (moderate); Jackson County, MO 31 (low); Macon County, MO 22 (low); Boonville County, MO 17 (low); Columbia County, MO 17 (low).