First Nb Of Manchester (FDIC #2708): Bank Stress & Real-Estate Credit Exposure
First Nb Of Manchester (FDIC Cert #2708): bank stress 71/100, elevated, STABLE over 7 days; parent FIRST NATIONAL FINANCIAL CORP.
First Nb Of Manchester (#2708) lends in 4 counties across 1 state; First Nb Of Manchester (#2708) reaches 61 ZIP codes: Kentucky 4 counties, 61 ZIPs.
First Nb Of Manchester (#2708) largest markets: Harlan County, KY (27 branches, 27 ZIPs) (#2708), Fayette County, KY (19 branches, 19 ZIPs) (#2708), Clay County, KY (30 branches, 10 ZIPs) (#2708), Laurel County, KY (8 branches, 8 ZIPs) (#2708).
First Nb Of Manchester (#2708) reports $230.1 million in total assets; First Nb Of Manchester (#2708) equity $22.6 million (9.8% of First Nb Of Manchester (#2708) assets); First Nb Of Manchester (#2708) domestic deposits $206.4 million; First Nb Of Manchester (#2708) net income $1.1 million; First Nb Of Manchester (#2708) return on assets 0.99%; First Nb Of Manchester (#2708) return on equity 10.36%; First Nb Of Manchester (#2708) net interest income $5.0 million; First Nb Of Manchester (#2708) call report June 30, 2026.
First Nb Of Manchester (#2708) noncurrent real-estate loans: none reported; First Nb Of Manchester (#2708) residential -0.13%; First Nb Of Manchester (#2708) net charge-offs on real estate 1.43%; First Nb Of Manchester (#2708) residential charge-offs 0.45%.
First Nb Of Manchester (#2708) net interest margin 4.64% against an eight-quarter First Nb Of Manchester (#2708) average of 4.30% (First Nb Of Manchester (#2708) compression -0.34 points); First Nb Of Manchester (#2708) non-residential real estate 45.1% of equity; First Nb Of Manchester (#2708) rate-exposure score 40/100, First Nb Of Manchester (#2708) fixed-rate trap 40/100; First Nb Of Manchester (#2708) risk type credit driven; First Nb Of Manchester (#2708) rate regime rates elevated, First Nb Of Manchester (#2708) snapshot October 19, 2026.
First Nb Of Manchester (#2708) stress score moved from 71.1 on June 22, 2026 to 71.3 on October 20, 2026; First Nb Of Manchester (#2708) ranged 71.1 to 71.3 over 117 snapshots.
First Nb Of Manchester (#2708) alerts: 4 counties; top First Nb Of Manchester (#2708) alert scores: Evarts County, KY 23 (low); Lexington County, KY 23 (low); London County, KY 23 (low); Manchester County, KY 23 (low).