Preferred Bank (FDIC #33539): Bank Stress & Real-Estate Credit Exposure
Preferred Bank (FDIC Cert #33539): bank stress 56/100, moderate, STABLE over 7 days.
Preferred Bank (#33539) lends in 6 counties across 3 states; Preferred Bank (#33539) reaches 593 ZIP codes: California 3 counties, 420 ZIPs; New York 2 counties, 138 ZIPs; Texas 1 county, 35 ZIPs.
Preferred Bank (#33539) largest markets: Los Angeles County, CA (2,736 branches, 304 ZIPs) (#33539), Orange County, CA (184 branches, 92 ZIPs) (#33539), New York County, NY (70 branches, 70 ZIPs) (#33539), Queens County, NY (68 branches, 68 ZIPs) (#33539), Fort Bend County, TX (35 branches, 35 ZIPs) (#33539), San Francisco County, CA (60 branches, 30 ZIPs) (#33539).
Preferred Bank (#33539) reports $7.73 billion in total assets; Preferred Bank (#33539) equity $793.5 million (10.3% of Preferred Bank (#33539) assets); Preferred Bank (#33539) domestic deposits $6.48 billion; Preferred Bank (#33539) net income $64.7 million; Preferred Bank (#33539) return on assets 1.69%; Preferred Bank (#33539) return on equity 16.49%; Preferred Bank (#33539) net interest income $135.3 million; Preferred Bank (#33539) call report June 30, 2026.
Preferred Bank (#33539) noncurrent real-estate loans 0.13% of its book; Preferred Bank (#33539) multifamily -0.29%; Preferred Bank (#33539) residential 0.31%; Preferred Bank (#33539) net charge-offs on real estate 2.03%; Preferred Bank (#33539) multifamily charge-offs 4.68%; Preferred Bank (#33539) residential charge-offs 2.41%.
Preferred Bank (#33539) net interest margin 3.64% against an eight-quarter Preferred Bank (#33539) average of 3.83% (Preferred Bank (#33539) compression 0.18 points); Preferred Bank (#33539) real-estate loans 13.2% of equity; Preferred Bank (#33539) non-residential real estate 241.0% of equity; Preferred Bank (#33539) rate-exposure score 40/100, Preferred Bank (#33539) fixed-rate trap 40/100; Preferred Bank (#33539) risk type credit driven; Preferred Bank (#33539) rate regime rates elevated, Preferred Bank (#33539) snapshot October 19, 2026.
Preferred Bank (#33539) stress score moved from 56.3 on June 22, 2026 to 55.9 on October 20, 2026; Preferred Bank (#33539) ranged 55.9 to 56.3 over 117 snapshots.
Preferred Bank (#33539) alerts: 6 counties; top Preferred Bank (#33539) alert scores: San Francisco County, CA 40 (moderate); Flushing County, CA 20 (low); Irvine County, CA 20 (low); New York County, CA 20 (low); Sugar Land County, CA 20 (low).