Sundown State Bank (FDIC #18780): Bank Stress & Real-Estate Credit Exposure
Sundown State Bank (FDIC Cert #18780): bank stress 33/100, contained, STABLE over 7 days; parent SUNDOWN BANKSHARES INC.
Sundown State Bank (#18780) lends in 4 counties across 1 state; Sundown State Bank (#18780) reaches 35 ZIP codes: Texas 4 counties, 35 ZIPs.
Sundown State Bank (#18780) largest markets: Tom Green County, TX (17 branches, 17 ZIPs) (#18780), Hockley County, TX (22 branches, 11 ZIPs) (#18780), Terry County, TX (6 branches, 6 ZIPs) (#18780), Yoakum County, TX (4 branches, 4 ZIPs) (#18780).
Sundown State Bank (#18780) reports $307.7 million in total assets; Sundown State Bank (#18780) equity $36.5 million (11.8% of Sundown State Bank (#18780) assets); Sundown State Bank (#18780) domestic deposits $269.6 million; Sundown State Bank (#18780) net income $6.5 million; Sundown State Bank (#18780) return on assets 4.15%; Sundown State Bank (#18780) return on equity 35.73%; Sundown State Bank (#18780) net interest income $6.2 million; Sundown State Bank (#18780) call report June 30, 2026.
Sundown State Bank (#18780) noncurrent real-estate loans 0.16% of its book; Sundown State Bank (#18780) multifamily 12.17%; Sundown State Bank (#18780) net charge-offs on real estate 1.48%; Sundown State Bank (#18780) residential charge-offs 1.96%.
Sundown State Bank (#18780) net interest margin 4.26% against an eight-quarter Sundown State Bank (#18780) average of 4.49% (Sundown State Bank (#18780) compression 0.23 points); Sundown State Bank (#18780) real-estate loans 16.1% of equity; Sundown State Bank (#18780) non-residential real estate 196.2% of equity; Sundown State Bank (#18780) rate-exposure score 40/100, Sundown State Bank (#18780) fixed-rate trap 40/100; Sundown State Bank (#18780) risk type rate trapped; Sundown State Bank (#18780) rate regime rates elevated, Sundown State Bank (#18780) snapshot October 19, 2026.
Sundown State Bank (#18780) stress score moved from 31.2 on June 22, 2026 to 32.8 on October 19, 2026; Sundown State Bank (#18780) ranged 31.2 to 32.8 over 116 snapshots.
Sundown State Bank (#18780) alerts: 4 counties; top Sundown State Bank (#18780) alert scores: Brownfield County, TX 14 (low); Denver City County, TX 14 (low); Sundown County, TX 14 (low); Wall County, TX 14 (low).