Premier Bank Of The South (FDIC #27118): Bank Stress & Real-Estate Credit Exposure
Premier Bank Of The South (FDIC Cert #27118): bank stress 74/100, elevated, STABLE over 7 days; parent FCB BANCSHARES INC.
Premier Bank Of The South (#27118) lends in 4 counties across 1 state; Premier Bank Of The South (#27118) reaches 60 ZIP codes: Alabama 4 counties, 60 ZIPs.
Premier Bank Of The South (#27118) largest markets: Madison County, AL (50 branches, 25 ZIPs) (#27118), Cullman County, AL (95 branches, 19 ZIPs) (#27118), Morgan County, AL (16 branches, 16 ZIPs) (#27118), Winston County, AL (12 branches, 12 ZIPs) (#27118).
Premier Bank Of The South (#27118) reports $370.6 million in total assets; Premier Bank Of The South (#27118) equity $31.6 million (8.5% of Premier Bank Of The South (#27118) assets); Premier Bank Of The South (#27118) domestic deposits $337.1 million; Premier Bank Of The South (#27118) net income $2.0 million; Premier Bank Of The South (#27118) return on assets 1.07%; Premier Bank Of The South (#27118) return on equity 12.65%; Premier Bank Of The South (#27118) net interest income $7.4 million; Premier Bank Of The South (#27118) call report June 30, 2026.
Premier Bank Of The South (#27118) noncurrent real-estate loans: none reported; Premier Bank Of The South (#27118) residential -0.47%; Premier Bank Of The South (#27118) net charge-offs on real estate 0.00%.
Premier Bank Of The South (#27118) net interest margin 4.14% against an eight-quarter Premier Bank Of The South (#27118) average of 4.03% (Premier Bank Of The South (#27118) compression -0.11 points); Premier Bank Of The South (#27118) rate-exposure score 40/100, Premier Bank Of The South (#27118) fixed-rate trap 40/100; Premier Bank Of The South (#27118) risk type credit driven; Premier Bank Of The South (#27118) rate regime rates elevated, Premier Bank Of The South (#27118) snapshot October 19, 2026.
Premier Bank Of The South (#27118) stress score moved from 74.5 on June 22, 2026 to 74.3 on October 19, 2026; Premier Bank Of The South (#27118) ranged 74.3 to 74.5 over 116 snapshots.
Premier Bank Of The South (#27118) alerts: 4 counties; top Premier Bank Of The South (#27118) alert scores: Madison County, AL 41 (moderate); Addison County, AL 25 (low); Eva County, AL 25 (low); Vinemont County, AL 25 (low).