First National Bank Of Carmi (FDIC #3777): Bank Stress & Real-Estate Credit Exposure

First National Bank Of Carmi (FDIC Cert #3777): bank stress 60/100, elevated, STABLE over 7 days; parent SOUTHERN ILLINOIS BCORP INC.

First National Bank Of Carmi (#3777) lends in 7 counties across 2 states; First National Bank Of Carmi (#3777) reaches 62 ZIP codes: Indiana 4 counties, 39 ZIPs; Illinois 3 counties, 23 ZIPs.

First National Bank Of Carmi (#3777) largest markets: Gibson County, IN (32 branches, 16 ZIPs) (#3777), Knox County, IN (12 branches, 12 ZIPs) (#3777), White County, IL (33 branches, 11 ZIPs) (#3777), Vanderburgh County, IN (22 branches, 11 ZIPs) (#3777), Wabash County, IL (7 branches, 7 ZIPs) (#3777), Lawrence County, IL (7 branches, 7 ZIPs) (#3777).

First National Bank Of Carmi (#3777) reports $622.2 million in total assets; First National Bank Of Carmi (#3777) equity $74.5 million (12.0% of First National Bank Of Carmi (#3777) assets); First National Bank Of Carmi (#3777) domestic deposits $545.5 million; First National Bank Of Carmi (#3777) net income $3.7 million; First National Bank Of Carmi (#3777) return on assets 1.19%; First National Bank Of Carmi (#3777) return on equity 10.00%; First National Bank Of Carmi (#3777) net interest income $12.6 million; First National Bank Of Carmi (#3777) call report June 30, 2026.

First National Bank Of Carmi (#3777) noncurrent real-estate loans: none reported; First National Bank Of Carmi (#3777) net charge-offs on real estate 0.14%; First National Bank Of Carmi (#3777) residential charge-offs 0.23%.

First National Bank Of Carmi (#3777) net interest margin 4.34% against an eight-quarter First National Bank Of Carmi (#3777) average of 4.27% (First National Bank Of Carmi (#3777) compression -0.07 points); First National Bank Of Carmi (#3777) non-residential real estate 23.0% of equity; First National Bank Of Carmi (#3777) rate-exposure score 40/100, First National Bank Of Carmi (#3777) fixed-rate trap 40/100; First National Bank Of Carmi (#3777) risk type credit driven; First National Bank Of Carmi (#3777) rate regime rates elevated, First National Bank Of Carmi (#3777) snapshot October 19, 2026.

First National Bank Of Carmi (#3777) stress score moved from 60.4 on June 22, 2026 to 59.7 on October 19, 2026; First National Bank Of Carmi (#3777) ranged 59.7 to 60.4 over 116 snapshots.

First National Bank Of Carmi (#3777) alerts: 7 counties; top First National Bank Of Carmi (#3777) alert scores: Evansville County, IL 22 (low); Grayville County, IL 22 (low); Lawrenceville County, IL 22 (low); Mount Carmel County, IL 22 (low); Poseyville County, IL 22 (low).