Firstar Bank (FDIC #19288): Bank Stress & Real-Estate Credit Exposure

Firstar Bank (FDIC Cert #19288): bank stress 56/100, moderate, STABLE over 7 days; parent FIRSTAR FINANCIAL CORP.

Firstar Bank (#19288) lends in 7 counties across 2 states; Firstar Bank (#19288) reaches 119 ZIP codes: Oklahoma 4 counties, 73 ZIPs; Arkansas 3 counties, 46 ZIPs.

Firstar Bank (#19288) largest markets: Tulsa County, OK (43 branches, 43 ZIPs) (#19288), Washington County, AR (20 branches, 20 ZIPs) (#19288), Sebastian County, AR (17 branches, 17 ZIPs) (#19288), Muskogee County, OK (45 branches, 15 ZIPs) (#19288), Crawford County, AR (11 branches, 11 ZIPs) (#19288), Sequoyah County, OK (27 branches, 9 ZIPs) (#19288).

Firstar Bank (#19288) reports $1.24 billion in total assets; Firstar Bank (#19288) equity $135.7 million (11.0% of Firstar Bank (#19288) assets); Firstar Bank (#19288) domestic deposits $1.09 billion; Firstar Bank (#19288) net income $9.5 million; Firstar Bank (#19288) return on assets 1.58%; Firstar Bank (#19288) return on equity 14.35%; Firstar Bank (#19288) net interest income $27.1 million; Firstar Bank (#19288) call report June 30, 2026.

Firstar Bank (#19288) noncurrent real-estate loans 0.02% of its book; Firstar Bank (#19288) residential 0.01%; Firstar Bank (#19288) net charge-offs on real estate 0.56%; Firstar Bank (#19288) residential charge-offs 0.45%.

Firstar Bank (#19288) net interest margin 4.93% against an eight-quarter Firstar Bank (#19288) average of 5.10% (Firstar Bank (#19288) compression 0.17 points); Firstar Bank (#19288) real-estate loans 1.8% of equity; Firstar Bank (#19288) non-residential real estate 45.0% of equity; Firstar Bank (#19288) rate-exposure score 40/100, Firstar Bank (#19288) fixed-rate trap 40/100; Firstar Bank (#19288) risk type credit driven; Firstar Bank (#19288) rate regime rates elevated, Firstar Bank (#19288) snapshot October 19, 2026.

Firstar Bank (#19288) stress score moved from 54.1 on June 22, 2026 to 55.5 on October 19, 2026; Firstar Bank (#19288) ranged 54.1 to 55.5 over 116 snapshots.

Firstar Bank (#19288) alerts: 7 counties; top Firstar Bank (#19288) alert scores: Muskogee County, OK 38 (moderate); Tulsa County, OK 36 (moderate); Fayetteville County, OK 19 (low); Fort Smith County, OK 19 (low); Sallisaw County, OK 19 (low).