First Bank (FDIC #3121): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #3121): bank stress 40/100, contained, STABLE over 7 days; parent FIRST BURKBURNETT BANCSHARES.

First Bank (#3121) lends in 3 counties across 1 state; First Bank (#3121) reaches 70 ZIP codes: Texas 3 counties, 70 ZIPs.

First Bank (#3121) largest markets: Denton County, TX (40 branches, 40 ZIPs) (#3121), Parker County, TX (19 branches, 19 ZIPs) (#3121), Wichita County, TX (55 branches, 11 ZIPs) (#3121).

First Bank (#3121) reports $703.6 million in total assets; First Bank (#3121) equity $96.6 million (13.7% of First Bank (#3121) assets); First Bank (#3121) domestic deposits $603.4 million; First Bank (#3121) net income $6.5 million; First Bank (#3121) return on assets 1.89%; First Bank (#3121) return on equity 13.66%; First Bank (#3121) net interest income $16.0 million; First Bank (#3121) call report June 30, 2026.

First Bank (#3121) noncurrent real-estate loans 0.03% of its book; First Bank (#3121) net charge-offs on real estate 0.89%; First Bank (#3121) residential charge-offs 0.66%.

First Bank (#3121) net interest margin 4.90% against an eight-quarter First Bank (#3121) average of 4.95% (First Bank (#3121) compression 0.04 points); First Bank (#3121) real-estate loans 3.1% of equity; First Bank (#3121) non-residential real estate 66.1% of equity; First Bank (#3121) rate-exposure score 40/100, First Bank (#3121) fixed-rate trap 40/100; First Bank (#3121) risk type rate trapped; First Bank (#3121) rate regime rates elevated, First Bank (#3121) snapshot October 19, 2026.

First Bank (#3121) stress score moved from 41 on June 22, 2026 to 39.7 on October 19, 2026; First Bank (#3121) ranged 39.7 to 41 over 116 snapshots.

First Bank (#3121) alerts: 3 counties; top First Bank (#3121) alert scores: Aledo County, TX 15 (low); Frisco County, TX 15 (low); Wichita Falls County, TX 15 (low).