First National Bank (FDIC #22271): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #22271): bank stress 13/100, contained, STABLE over 7 days; parent MARION COUNTY BANCSHARES INC.

First National Bank (#22271) lends in 4 counties across 1 state; First National Bank (#22271) reaches 45 ZIP codes: Alabama 4 counties, 45 ZIPs.

First National Bank (#22271) largest markets: Walker County, AL (19 branches, 19 ZIPs) (#22271), Marion County, AL (12 branches, 12 ZIPs) (#22271), Winston County, AL (24 branches, 12 ZIPs) (#22271), Lamar County, AL (9 branches, 9 ZIPs) (#22271).

First National Bank (#22271) reports $372.7 million in total assets; First National Bank (#22271) equity $66.3 million (17.8% of First National Bank (#22271) assets); First National Bank (#22271) domestic deposits $305.5 million; First National Bank (#22271) net income $4.7 million; First National Bank (#22271) return on assets 2.51%; First National Bank (#22271) return on equity 14.16%; First National Bank (#22271) net interest income $8.0 million; First National Bank (#22271) call report June 30, 2026.

First National Bank (#22271) noncurrent real-estate loans 0.09% of its book; First National Bank (#22271) net charge-offs on real estate 0.21%.

First National Bank (#22271) net interest margin 4.66% against an eight-quarter First National Bank (#22271) average of 4.71% (First National Bank (#22271) compression 0.05 points); First National Bank (#22271) real-estate loans 8.9% of equity; First National Bank (#22271) rate-exposure score 40/100, First National Bank (#22271) fixed-rate trap 40/100; First National Bank (#22271) risk type rate trapped; First National Bank (#22271) rate regime rates elevated, First National Bank (#22271) snapshot October 20, 2026.

First National Bank (#22271) stress score moved from 18.7 on June 22, 2026 to 12.9 on October 20, 2026; First National Bank (#22271) ranged 12.9 to 18.7 over 117 snapshots.

First National Bank (#22271) alerts: 4 counties; top First National Bank (#22271) alert scores: Carbon Hill County, AL 12 (low); Haleyville County, AL 12 (low); Hamilton County, AL 12 (low); Sulligent County, AL 12 (low).