First National Cmty Bank (FDIC #22092): Bank Stress & Real-Estate Credit Exposure

First National Cmty Bank (FDIC Cert #22092): bank stress 42/100, contained, STABLE over 7 days; parent FIRST CHATSWORTH BANKSHARES.

First National Cmty Bank (#22092) lends in 6 counties across 1 state; First National Cmty Bank (#22092) reaches 46 ZIP codes: Georgia 6 counties, 46 ZIPs.

First National Cmty Bank (#22092) largest markets: Bartow County, GA (28 branches, 14 ZIPs) (#22092), Floyd County, GA (39 branches, 13 ZIPs) (#22092), Paulding County, GA (11 branches, 11 ZIPs) (#22092), Gordon County, GA (8 branches, 8 ZIPs) (#22092), Whitfield County, GA (16 branches, 8 ZIPs) (#22092), Murray County, GA (14 branches, 7 ZIPs) (#22092).

First National Cmty Bank (#22092) reports $754.7 million in total assets; First National Cmty Bank (#22092) equity $97.5 million (12.9% of First National Cmty Bank (#22092) assets); First National Cmty Bank (#22092) domestic deposits $653.2 million; First National Cmty Bank (#22092) net income $6.9 million; First National Cmty Bank (#22092) return on assets 1.90%; First National Cmty Bank (#22092) return on equity 14.25%; First National Cmty Bank (#22092) net interest income $17.2 million; First National Cmty Bank (#22092) call report June 30, 2026.

First National Cmty Bank (#22092) noncurrent real-estate loans: none reported; First National Cmty Bank (#22092) net charge-offs on real estate 0.45%; First National Cmty Bank (#22092) residential charge-offs 0.72%.

First National Cmty Bank (#22092) net interest margin 4.96% against an eight-quarter First National Cmty Bank (#22092) average of 5.14% (First National Cmty Bank (#22092) compression 0.18 points); First National Cmty Bank (#22092) non-residential real estate 71.7% of equity; First National Cmty Bank (#22092) rate-exposure score 40/100, First National Cmty Bank (#22092) fixed-rate trap 40/100; First National Cmty Bank (#22092) risk type credit driven; First National Cmty Bank (#22092) rate regime rates elevated, First National Cmty Bank (#22092) snapshot October 19, 2026.

First National Cmty Bank (#22092) stress score moved from 39.3 on June 22, 2026 to 42.3 on October 20, 2026; First National Cmty Bank (#22092) ranged 39.3 to 42.3 over 117 snapshots.

First National Cmty Bank (#22092) alerts: 6 counties; top First National Cmty Bank (#22092) alert scores: Calhoun County, GA 22 (low); Cartersville County, GA 16 (low); Dallas County, GA 16 (low); Dalton County, GA 16 (low); Eton County, GA 16 (low).