First Independence Bank (FDIC #20179): Bank Stress & Real-Estate Credit Exposure

First Independence Bank (FDIC Cert #20179): bank stress 51/100, moderate, STABLE over 7 days; parent FIRST INDEPENDENCE CORP.

First Independence Bank (#20179) lends in 3 counties across 3 states; First Independence Bank (#20179) reaches 322 ZIP codes: Illinois 1 county, 178 ZIPs; Minnesota 1 county, 73 ZIPs; Michigan 1 county, 71 ZIPs.

First Independence Bank (#20179) largest markets: Cook County, IL (178 branches, 178 ZIPs) (#20179), Hennepin County, MN (146 branches, 73 ZIPs) (#20179), Wayne County, MI (142 branches, 71 ZIPs) (#20179).

First Independence Bank (#20179) reports $875.3 million in total assets; First Independence Bank (#20179) equity $82.4 million (9.4% of First Independence Bank (#20179) assets); First Independence Bank (#20179) domestic deposits $703.4 million; First Independence Bank (#20179) net income $8.5 million; First Independence Bank (#20179) return on assets 2.08%; First Independence Bank (#20179) return on equity 22.33%; First Independence Bank (#20179) net interest income $13.1 million; First Independence Bank (#20179) call report June 30, 2026.

First Independence Bank (#20179) noncurrent real-estate loans 0.11% of its book; First Independence Bank (#20179) commercial real estate 6.04%; First Independence Bank (#20179) residential 0.37%; First Independence Bank (#20179) net charge-offs on real estate 1.29%; First Independence Bank (#20179) residential charge-offs 3.62%.

First Independence Bank (#20179) net interest margin 3.76% against an eight-quarter First Independence Bank (#20179) average of 3.39% (First Independence Bank (#20179) compression -0.37 points); First Independence Bank (#20179) real-estate loans 11.2% of equity; First Independence Bank (#20179) non-residential real estate 362.0% of equity; First Independence Bank (#20179) rate-exposure score 40/100, First Independence Bank (#20179) fixed-rate trap 40/100; First Independence Bank (#20179) risk type credit driven; First Independence Bank (#20179) rate regime rates elevated, First Independence Bank (#20179) snapshot October 19, 2026.

First Independence Bank (#20179) stress score moved from 41 on June 22, 2026 to 51.1 on October 20, 2026; First Independence Bank (#20179) ranged 41 to 51.1 over 117 snapshots.

First Independence Bank (#20179) alerts: 3 counties; top First Independence Bank (#20179) alert scores: Chicago County, MI 21 (low); Detroit County, MI 21 (low); Minneapolis County, MI 21 (low).