Texas Nb Of Jacksonville (FDIC #26181): Bank Stress & Real-Estate Credit Exposure

Texas Nb Of Jacksonville (FDIC Cert #26181): bank stress 90/100, severe, STABLE over 7 days; parent EAST TEXAS FINANCIAL CORP.

Texas Nb Of Jacksonville (#26181) lends in 5 counties across 1 state; Texas Nb Of Jacksonville (#26181) reaches 59 ZIP codes: Texas 5 counties, 59 ZIPs.

Texas Nb Of Jacksonville (#26181) largest markets: Smith County, TX (92 branches, 23 ZIPs) (#26181), Harrison County, TX (15 branches, 15 ZIPs) (#26181), Cherokee County, TX (24 branches, 12 ZIPs) (#26181), Gregg County, TX (10 branches, 10 ZIPs) (#26181), Angelina County, TX (7 branches, 7 ZIPs) (#26181).

Texas Nb Of Jacksonville (#26181) reports $852.4 million in total assets; Texas Nb Of Jacksonville (#26181) equity $84.1 million (9.9% of Texas Nb Of Jacksonville (#26181) assets); Texas Nb Of Jacksonville (#26181) domestic deposits $765.7 million; Texas Nb Of Jacksonville (#26181) net income minus $1.4 million; Texas Nb Of Jacksonville (#26181) return on assets -0.34%; Texas Nb Of Jacksonville (#26181) return on equity -3.32%; Texas Nb Of Jacksonville (#26181) net interest income $16.9 million; Texas Nb Of Jacksonville (#26181) call report June 30, 2026.

Texas Nb Of Jacksonville (#26181) noncurrent real-estate loans 0.45% of its book; Texas Nb Of Jacksonville (#26181) residential 0.98%; Texas Nb Of Jacksonville (#26181) net charge-offs on real estate 1.10%; Texas Nb Of Jacksonville (#26181) residential charge-offs 2.09%.

Texas Nb Of Jacksonville (#26181) net interest margin 4.16% against an eight-quarter Texas Nb Of Jacksonville (#26181) average of 3.80% (Texas Nb Of Jacksonville (#26181) compression -0.36 points); Texas Nb Of Jacksonville (#26181) real-estate loans 44.6% of equity; Texas Nb Of Jacksonville (#26181) non-residential real estate 209.5% of equity; Texas Nb Of Jacksonville (#26181) rate-exposure score 40/100, Texas Nb Of Jacksonville (#26181) fixed-rate trap 40/100; Texas Nb Of Jacksonville (#26181) risk type credit driven; Texas Nb Of Jacksonville (#26181) rate regime rates elevated, Texas Nb Of Jacksonville (#26181) snapshot October 20, 2026.

Texas Nb Of Jacksonville (#26181) stress score moved from 90.5 on June 22, 2026 to 89.8 on October 20, 2026; Texas Nb Of Jacksonville (#26181) ranged 89.8 to 90.5 over 117 snapshots.

Texas Nb Of Jacksonville (#26181) alerts: 5 counties; top Texas Nb Of Jacksonville (#26181) alert scores: Tyler County, TX 41 (moderate); Rusk County, TX 38 (moderate); Longview County, TX 25 (low); Lufkin County, TX 25 (low); Marshall County, TX 25 (low).