First Nb Of Hughes Springs (FDIC #3268): Bank Stress & Real-Estate Credit Exposure
First Nb Of Hughes Springs (FDIC Cert #3268): bank stress 43/100, contained, STABLE over 7 days; parent CHALYBEATE SPRINGS CORP.
First Nb Of Hughes Springs (#3268) lends in 10 counties across 1 state; First Nb Of Hughes Springs (#3268) reaches 101 ZIP codes: Texas 10 counties, 101 ZIPs.
First Nb Of Hughes Springs (#3268) largest markets: Smith County, TX (46 branches, 23 ZIPs) (#3268), Falls County, TX (34 branches, 17 ZIPs) (#3268), Cass County, TX (45 branches, 15 ZIPs) (#3268), Harrison County, TX (30 branches, 15 ZIPs) (#3268), Upshur County, TX (12 branches, 12 ZIPs) (#3268), Bowie County, TX (20 branches, 10 ZIPs) (#3268).
First Nb Of Hughes Springs (#3268) reports $319.5 million in total assets; First Nb Of Hughes Springs (#3268) equity $35.7 million (11.2% of First Nb Of Hughes Springs (#3268) assets); First Nb Of Hughes Springs (#3268) domestic deposits $283.1 million; First Nb Of Hughes Springs (#3268) net income $3.5 million; First Nb Of Hughes Springs (#3268) return on assets 2.18%; First Nb Of Hughes Springs (#3268) return on equity 20.51%; First Nb Of Hughes Springs (#3268) net interest income $9.4 million; First Nb Of Hughes Springs (#3268) call report June 30, 2026.
First Nb Of Hughes Springs (#3268) noncurrent real-estate loans 0.32% of its book; First Nb Of Hughes Springs (#3268) residential -0.28%; First Nb Of Hughes Springs (#3268) net charge-offs on real estate 2.95%; First Nb Of Hughes Springs (#3268) residential charge-offs 5.98%.
First Nb Of Hughes Springs (#3268) net interest margin 6.48% against an eight-quarter First Nb Of Hughes Springs (#3268) average of 6.65% (First Nb Of Hughes Springs (#3268) compression 0.17 points); First Nb Of Hughes Springs (#3268) real-estate loans 32.4% of equity; First Nb Of Hughes Springs (#3268) non-residential real estate 597.7% of equity; First Nb Of Hughes Springs (#3268) rate-exposure score 40/100, First Nb Of Hughes Springs (#3268) fixed-rate trap 40/100; First Nb Of Hughes Springs (#3268) risk type credit driven; First Nb Of Hughes Springs (#3268) rate regime rates elevated, First Nb Of Hughes Springs (#3268) snapshot October 20, 2026.
First Nb Of Hughes Springs (#3268) stress score moved from 39.9 on June 22, 2026 to 42.8 on October 20, 2026; First Nb Of Hughes Springs (#3268) ranged 39.9 to 42.8 over 117 snapshots.
First Nb Of Hughes Springs (#3268) alerts: 10 counties; top First Nb Of Hughes Springs (#3268) alert scores: Jefferson County, TX 28 (low); Diana County, TX 16 (low); Hughes Springs County, TX 16 (low); Kilgore County, TX 16 (low); Marlin County, TX 16 (low).