State Nb Of Big Spring (FDIC #3103): Bank Stress & Real-Estate Credit Exposure
State Nb Of Big Spring (FDIC Cert #3103): bank stress 55/100, moderate, STABLE over 7 days; parent SNB FINANCIAL INC.
State Nb Of Big Spring (#3103) lends in 3 counties across 1 state; State Nb Of Big Spring (#3103) reaches 16 ZIP codes: Texas 3 counties, 16 ZIPs.
State Nb Of Big Spring (#3103) largest markets: Lynn County, TX (8 branches, 8 ZIPs) (#3103), Howard County, TX (6 branches, 6 ZIPs) (#3103), Dawson County, TX (4 branches, 4 ZIPs) (#3103).
State Nb Of Big Spring (#3103) reports $640.0 million in total assets; State Nb Of Big Spring (#3103) equity $63.0 million (9.8% of State Nb Of Big Spring (#3103) assets); State Nb Of Big Spring (#3103) domestic deposits $574.9 million; State Nb Of Big Spring (#3103) net income $5.6 million; State Nb Of Big Spring (#3103) return on assets 1.79%; State Nb Of Big Spring (#3103) return on equity 18.14%; State Nb Of Big Spring (#3103) net interest income $8.7 million; State Nb Of Big Spring (#3103) call report June 30, 2026.
State Nb Of Big Spring (#3103) noncurrent real-estate loans: none reported; State Nb Of Big Spring (#3103) net charge-offs on real estate 1.98%; State Nb Of Big Spring (#3103) residential charge-offs 3.14%.
State Nb Of Big Spring (#3103) net interest margin 2.90% against an eight-quarter State Nb Of Big Spring (#3103) average of 2.61% (State Nb Of Big Spring (#3103) compression -0.30 points); State Nb Of Big Spring (#3103) non-residential real estate 313.9% of equity; State Nb Of Big Spring (#3103) rate-exposure score 40/100, State Nb Of Big Spring (#3103) fixed-rate trap 40/100; State Nb Of Big Spring (#3103) risk type credit driven; State Nb Of Big Spring (#3103) rate regime rates elevated, State Nb Of Big Spring (#3103) snapshot October 19, 2026.
State Nb Of Big Spring (#3103) stress score moved from 54.8 on June 22, 2026 to 55.4 on October 19, 2026; State Nb Of Big Spring (#3103) ranged 54.8 to 55.4 over 116 snapshots.
State Nb Of Big Spring (#3103) alerts: 3 counties; top State Nb Of Big Spring (#3103) alert scores: Big Spring County, TX 18 (low); Lamesa County, TX 18 (low); Odonnell County, TX 18 (low).