Better Banks (FDIC #1808): Bank Stress & Real-Estate Credit Exposure
Better Banks (FDIC Cert #1808): bank stress 75/100, severe, STABLE over 7 days; parent BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN.
Better Banks (#1808) lends in 4 counties across 1 state; Better Banks (#1808) reaches 79 ZIP codes: Illinois 4 counties, 79 ZIPs.
Better Banks (#1808) largest markets: Peoria County, IL (168 branches, 28 ZIPs) (#1808), Fulton County, IL (24 branches, 24 ZIPs) (#1808), Tazewell County, IL (21 branches, 21 ZIPs) (#1808), Stark County, IL (10 branches, 10 ZIPs) (#1808).
Better Banks (#1808) reports $445.8 million in total assets; Better Banks (#1808) equity $35.5 million (8.0% of Better Banks (#1808) assets); Better Banks (#1808) domestic deposits $407.0 million; Better Banks (#1808) net income $2.5 million; Better Banks (#1808) return on assets 1.14%; Better Banks (#1808) return on equity 14.13%; Better Banks (#1808) net interest income $8.1 million; Better Banks (#1808) call report June 30, 2026.
Better Banks (#1808) noncurrent real-estate loans 0.01% of its book; Better Banks (#1808) net charge-offs on real estate 2.08%; Better Banks (#1808) residential charge-offs 14.64%.
Better Banks (#1808) net interest margin 3.88% against an eight-quarter Better Banks (#1808) average of 3.43% (Better Banks (#1808) compression -0.45 points); Better Banks (#1808) real-estate loans 0.8% of equity; Better Banks (#1808) non-residential real estate 1464.1% of equity; Better Banks (#1808) rate-exposure score 40/100, Better Banks (#1808) fixed-rate trap 40/100; Better Banks (#1808) risk type credit driven; Better Banks (#1808) rate regime rates elevated, Better Banks (#1808) snapshot October 19, 2026.
Better Banks (#1808) stress score moved from 71.4 on June 22, 2026 to 75 on October 19, 2026; Better Banks (#1808) ranged 71.4 to 75 over 116 snapshots.
Better Banks (#1808) alerts: 4 counties; top Better Banks (#1808) alert scores: Peoria County, IL 44 (moderate); Astoria County, IL 26 (low); Morton County, IL 26 (low); Wyoming County, IL 26 (low).