Happen Bank National Assn (FDIC #32551): Bank Stress & Real-Estate Credit Exposure
Happen Bank National Assn (FDIC Cert #32551): bank stress 49/100, moderate, STABLE over 7 days; parent HAPPEN INC.
Happen Bank National Assn (#32551) lends in 3 counties across 3 states; Happen Bank National Assn (#32551) reaches 95 ZIP codes: Massachusetts 1 county, 39 ZIPs; California 1 county, 30 ZIPs; Utah 1 county, 26 ZIPs.
Happen Bank National Assn (#32551) largest markets: Suffolk County, MA (39 branches, 39 ZIPs) (#32551), San Francisco County, CA (30 branches, 30 ZIPs) (#32551), Utah County, UT (26 branches, 26 ZIPs) (#32551).
Happen Bank National Assn (#32551) reports $12.48 billion in total assets; Happen Bank National Assn (#32551) equity $1.43 billion (11.5% of Happen Bank National Assn (#32551) assets); Happen Bank National Assn (#32551) domestic deposits $10.85 billion; Happen Bank National Assn (#32551) net income $108.8 million; Happen Bank National Assn (#32551) return on assets 1.82%; Happen Bank National Assn (#32551) return on equity 15.94%; Happen Bank National Assn (#32551) net interest income $354.8 million; Happen Bank National Assn (#32551) call report June 30, 2026.
Happen Bank National Assn (#32551) noncurrent real-estate loans: none reported; Happen Bank National Assn (#32551) net charge-offs on real estate 1.24%; Happen Bank National Assn (#32551) residential charge-offs 1.59%.
Happen Bank National Assn (#32551) net interest margin 6.30% against an eight-quarter Happen Bank National Assn (#32551) average of 6.10% (Happen Bank National Assn (#32551) compression -0.20 points); Happen Bank National Assn (#32551) non-residential real estate 158.7% of equity; Happen Bank National Assn (#32551) rate-exposure score 40/100, Happen Bank National Assn (#32551) fixed-rate trap 40/100; Happen Bank National Assn (#32551) risk type credit driven; Happen Bank National Assn (#32551) rate regime rates elevated; Happen Bank National Assn (#32551) shares 5.2% below the 52-week high, Happen Bank National Assn (#32551) equity trend stable, Happen Bank National Assn (#32551) snapshot October 19, 2026.
Happen Bank National Assn (#32551) stress score held at 49 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
Happen Bank National Assn (#32551) alerts: 3 counties; top Happen Bank National Assn (#32551) alert scores: Boston County, UT 19 (low); Lehi County, UT 19 (low); San Francisco County, UT 19 (low).