Valuebank Texas (FDIC #19700): Bank Stress & Real-Estate Credit Exposure
Valuebank Texas (FDIC Cert #19700): bank stress 57/100, moderate, STABLE over 7 days; parent FIRST INTL BANCSHARES INC.
Valuebank Texas (#19700) lends in 5 counties across 1 state; Valuebank Texas (#19700) reaches 86 ZIP codes: Texas 5 counties, 86 ZIPs.
Valuebank Texas (#19700) largest markets: Fort Bend County, TX (35 branches, 35 ZIPs) (#19700), Nueces County, TX (108 branches, 27 ZIPs) (#19700), Llano County, TX (10 branches, 10 ZIPs) (#19700), San Patricio County, TX (18 branches, 9 ZIPs) (#19700), Jim Wells County, TX (8 branches, 8 ZIPs) (#19700).
Valuebank Texas (#19700) reports $303.6 million in total assets; Valuebank Texas (#19700) equity $37.0 million (12.2% of Valuebank Texas (#19700) assets); Valuebank Texas (#19700) domestic deposits $263.0 million; Valuebank Texas (#19700) net income $2.0 million; Valuebank Texas (#19700) return on assets 1.29%; Valuebank Texas (#19700) return on equity 10.66%; Valuebank Texas (#19700) net interest income $6.6 million; Valuebank Texas (#19700) call report June 30, 2026.
Valuebank Texas (#19700) noncurrent real-estate loans: none reported; Valuebank Texas (#19700) net charge-offs on real estate 0.00%.
Valuebank Texas (#19700) net interest margin 4.72% against an eight-quarter Valuebank Texas (#19700) average of 4.92% (Valuebank Texas (#19700) compression 0.21 points); Valuebank Texas (#19700) rate-exposure score 40/100, Valuebank Texas (#19700) fixed-rate trap 40/100; Valuebank Texas (#19700) risk type credit driven; Valuebank Texas (#19700) rate regime rates elevated, Valuebank Texas (#19700) snapshot October 19, 2026.
Valuebank Texas (#19700) stress score moved from 58.2 on June 22, 2026 to 57.1 on October 19, 2026; Valuebank Texas (#19700) ranged 57.1 to 58.2 over 116 snapshots.
Valuebank Texas (#19700) alerts: 5 counties; top Valuebank Texas (#19700) alert scores: Horseshoe Bay County, TX 19 (low); Ingleside County, TX 19 (low); Orange Grove County, TX 19 (low); Port Aransas County, TX 19 (low); Richmond County, TX 19 (low).