First Independent Bank (FDIC #1900): Bank Stress & Real-Estate Credit Exposure
First Independent Bank (FDIC Cert #1900): bank stress 61/100, elevated, STABLE over 7 days; parent FINLAYSON BANCSHARES INC.
First Independent Bank (#1900) lends in 6 counties across 1 state; First Independent Bank (#1900) reaches 62 ZIP codes: Minnesota 6 counties, 62 ZIPs.
First Independent Bank (#1900) largest markets: Redwood County, MN (44 branches, 22 ZIPs) (#1900), Lyon County, MN (56 branches, 14 ZIPs) (#1900), Yellow Medicine County, MN (28 branches, 14 ZIPs) (#1900), Lincoln County, MN (24 branches, 12 ZIPs) (#1900), Big Stone County, MN (11 branches, 11 ZIPs) (#1900), Pipestone County, MN (9 branches, 9 ZIPs) (#1900).
First Independent Bank (#1900) reports $632.3 million in total assets; First Independent Bank (#1900) equity $61.2 million (9.7% of First Independent Bank (#1900) assets); First Independent Bank (#1900) domestic deposits $533.0 million; First Independent Bank (#1900) net income $4.8 million; First Independent Bank (#1900) return on assets 1.55%; First Independent Bank (#1900) return on equity 17.25%; First Independent Bank (#1900) net interest income $11.4 million; First Independent Bank (#1900) call report June 30, 2026.
First Independent Bank (#1900) noncurrent real-estate loans: none reported; First Independent Bank (#1900) residential -0.19%; First Independent Bank (#1900) net charge-offs on real estate 0.04%; First Independent Bank (#1900) residential charge-offs 0.10%.
First Independent Bank (#1900) net interest margin 3.92% against an eight-quarter First Independent Bank (#1900) average of 3.49% (First Independent Bank (#1900) compression -0.42 points); First Independent Bank (#1900) non-residential real estate 10.4% of equity; First Independent Bank (#1900) rate-exposure score 40/100, First Independent Bank (#1900) fixed-rate trap 40/100; First Independent Bank (#1900) risk type credit driven; First Independent Bank (#1900) rate regime rates elevated, First Independent Bank (#1900) snapshot October 20, 2026.
First Independent Bank (#1900) stress score moved from 63.9 on June 22, 2026 to 60.7 on October 20, 2026; First Independent Bank (#1900) ranged 60.7 to 63.9 over 117 snapshots.
First Independent Bank (#1900) alerts: 6 counties; top First Independent Bank (#1900) alert scores: Beardsley County, MN 22 (low); Russell County, MN 22 (low); Ruthton County, MN 22 (low); Tyler County, MN 22 (low); Vesta County, MN 22 (low).