Fcb Banks (FDIC #33005): Bank Stress & Real-Estate Credit Exposure
Fcb Banks (FDIC Cert #33005): bank stress 61/100, elevated, STABLE over 7 days; parent FIRST CO BCORP INC.
Fcb Banks (#33005) lends in 5 counties across 2 states; Fcb Banks (#33005) reaches 130 ZIP codes: Illinois 4 counties, 83 ZIPs; Missouri 1 county, 47 ZIPs.
Fcb Banks (#33005) largest markets: St. Louis County, MO (141 branches, 47 ZIPs) (#33005), Madison County, IL (324 branches, 36 ZIPs) (#33005), St. Clair County, IL (136 branches, 34 ZIPs) (#33005), Clinton County, IL (51 branches, 17 ZIPs) (#33005), Monroe County, IL (10 branches, 10 ZIPs) (#33005).
Fcb Banks (#33005) reports $2.64 billion in total assets; Fcb Banks (#33005) equity $214.8 million (8.1% of Fcb Banks (#33005) assets); Fcb Banks (#33005) domestic deposits $2.27 billion; Fcb Banks (#33005) net income $23.4 million; Fcb Banks (#33005) return on assets 1.79%; Fcb Banks (#33005) return on equity 21.98%; Fcb Banks (#33005) net interest income $42.1 million; Fcb Banks (#33005) call report June 30, 2026.
Fcb Banks (#33005) noncurrent real-estate loans: none reported; Fcb Banks (#33005) net charge-offs on real estate 0.75%; Fcb Banks (#33005) residential charge-offs 2.14%.
Fcb Banks (#33005) net interest margin 3.31% against an eight-quarter Fcb Banks (#33005) average of 2.96% (Fcb Banks (#33005) compression -0.35 points); Fcb Banks (#33005) non-residential real estate 214.3% of equity; Fcb Banks (#33005) rate-exposure score 40/100, Fcb Banks (#33005) fixed-rate trap 40/100; Fcb Banks (#33005) risk type credit driven; Fcb Banks (#33005) rate regime rates elevated, Fcb Banks (#33005) snapshot October 19, 2026.
Fcb Banks (#33005) stress score moved from 61 on June 22, 2026 to 61.3 on October 19, 2026; Fcb Banks (#33005) ranged 61 to 61.3 over 116 snapshots.
Fcb Banks (#33005) alerts: 5 counties; top Fcb Banks (#33005) alert scores: Columbia County, IL 24 (low); O Fallon County, IL 24 (low); Saint Louis County, IL 24 (low); Trenton County, IL 24 (low); Troy County, IL 24 (low).