Four Corners Community Bank (FDIC #35441): Bank Stress & Real-Estate Credit Exposure

Four Corners Community Bank (FDIC Cert #35441): bank stress 54/100, moderate, STABLE over 7 days; parent MESA WEST BCORP.

Four Corners Community Bank (#35441) lends in 3 counties across 2 states; Four Corners Community Bank (#35441) reaches 34 ZIP codes: Colorado 2 counties, 13 ZIPs; New Mexico 1 county, 22 ZIPs.

Four Corners Community Bank (#35441) largest markets: San Juan County, NM (88 branches, 22 ZIPs) (#35441), Montezuma County, CO (8 branches, 8 ZIPs) (#35441), La Plata County, CO (6 branches, 6 ZIPs) (#35441).

Four Corners Community Bank (#35441) reports $662.3 million in total assets; Four Corners Community Bank (#35441) equity $57.3 million (8.7% of Four Corners Community Bank (#35441) assets); Four Corners Community Bank (#35441) domestic deposits $569.1 million; Four Corners Community Bank (#35441) net income $6.6 million; Four Corners Community Bank (#35441) return on assets 2.06%; Four Corners Community Bank (#35441) return on equity 23.29%; Four Corners Community Bank (#35441) net interest income $13.2 million; Four Corners Community Bank (#35441) call report June 30, 2026.

Four Corners Community Bank (#35441) noncurrent real-estate loans: none reported; Four Corners Community Bank (#35441) net charge-offs on real estate 0.45%; Four Corners Community Bank (#35441) residential charge-offs 0.38%.

Four Corners Community Bank (#35441) net interest margin 4.23% against an eight-quarter Four Corners Community Bank (#35441) average of 4.18% (Four Corners Community Bank (#35441) compression -0.05 points); Four Corners Community Bank (#35441) non-residential real estate 37.7% of equity; Four Corners Community Bank (#35441) rate-exposure score 40/100, Four Corners Community Bank (#35441) fixed-rate trap 40/100; Four Corners Community Bank (#35441) risk type credit driven; Four Corners Community Bank (#35441) rate regime rates elevated, Four Corners Community Bank (#35441) snapshot October 19, 2026.

Four Corners Community Bank (#35441) stress score moved from 46.8 on June 22, 2026 to 54.2 on October 19, 2026; Four Corners Community Bank (#35441) ranged 46.8 to 54.2 over 116 snapshots.

Four Corners Community Bank (#35441) alerts: 3 counties; top Four Corners Community Bank (#35441) alert scores: Cortez County, NM 20 (low); Durango County, NM 20 (low); Farmington County, NM 20 (low).