Ion Bank (FDIC #18198): Bank Stress & Real-Estate Credit Exposure

Ion Bank (FDIC Cert #18198): bank stress 64/100, elevated, STABLE over 7 days; parent ION FINANCIAL MHC INC.

Ion Bank (#18198) lends in 3 counties across 2 states; Ion Bank (#18198) reaches 165 ZIP codes: New Jersey 2 counties, 124 ZIPs; Connecticut 1 county, 41 ZIPs.

Ion Bank (#18198) largest markets: Bergen County, NJ (660 branches, 66 ZIPs) (#18198), Morris County, NJ (174 branches, 58 ZIPs) (#18198).

Ion Bank (#18198) reports $2.78 billion in total assets; Ion Bank (#18198) equity $341.2 million (12.3% of Ion Bank (#18198) assets); Ion Bank (#18198) domestic deposits $2.28 billion; Ion Bank (#18198) net income $12.8 million; Ion Bank (#18198) return on assets 0.93%; Ion Bank (#18198) return on equity 7.63%; Ion Bank (#18198) net interest income $53.6 million; Ion Bank (#18198) call report June 30, 2026.

Ion Bank (#18198) noncurrent real-estate loans: none reported; Ion Bank (#18198) net charge-offs on real estate 1.13%; Ion Bank (#18198) multifamily charge-offs 0.01%; Ion Bank (#18198) residential charge-offs 2.14%.

Ion Bank (#18198) net interest margin 4.23% against an eight-quarter Ion Bank (#18198) average of 3.94% (Ion Bank (#18198) compression -0.29 points); Ion Bank (#18198) non-residential real estate 214.0% of equity; Ion Bank (#18198) rate-exposure score 40/100, Ion Bank (#18198) fixed-rate trap 40/100; Ion Bank (#18198) risk type credit driven; Ion Bank (#18198) rate regime rates elevated, Ion Bank (#18198) snapshot October 20, 2026.

Ion Bank (#18198) stress score moved from 64.5 on June 22, 2026 to 64 on October 20, 2026; Ion Bank (#18198) ranged 64 to 64.5 over 117 snapshots.

Ion Bank (#18198) alerts: 6 counties; top Ion Bank (#18198) alert scores: Naugatuck County, CT 22 (low); Pine Brook County, CT 22 (low); Tenafly County, CT 22 (low); Unionville County, CT 22 (low); Wallingford County, CT 22 (low).