Fnb Community Bank (FDIC #3840): Bank Stress & Real-Estate Credit Exposure
Fnb Community Bank (FDIC Cert #3840): bank stress 65/100, elevated, STABLE over 7 days; parent FIRST VANDALIA CORP.
Fnb Community Bank (#3840) lends in 3 counties across 1 state; Fnb Community Bank (#3840) reaches 41 ZIP codes: Illinois 3 counties, 41 ZIPs.
Fnb Community Bank (#3840) largest markets: Fayette County, IL (80 branches, 20 ZIPs) (#3840), Marion County, IL (15 branches, 15 ZIPs) (#3840), Bond County, IL (24 branches, 12 ZIPs) (#3840).
Fnb Community Bank (#3840) reports $498.9 million in total assets; Fnb Community Bank (#3840) equity $49.9 million (10.0% of Fnb Community Bank (#3840) assets); Fnb Community Bank (#3840) domestic deposits $423.1 million; Fnb Community Bank (#3840) net income $3.2 million; Fnb Community Bank (#3840) return on assets 1.29%; Fnb Community Bank (#3840) return on equity 13.05%; Fnb Community Bank (#3840) net interest income $8.5 million; Fnb Community Bank (#3840) call report June 30, 2026.
Fnb Community Bank (#3840) noncurrent real-estate loans 0.01% of its book; Fnb Community Bank (#3840) net charge-offs on real estate 0.98%; Fnb Community Bank (#3840) residential charge-offs 1.82%.
Fnb Community Bank (#3840) net interest margin 3.70% against an eight-quarter Fnb Community Bank (#3840) average of 3.22% (Fnb Community Bank (#3840) compression -0.49 points); Fnb Community Bank (#3840) real-estate loans 0.8% of equity; Fnb Community Bank (#3840) non-residential real estate 182.5% of equity; Fnb Community Bank (#3840) rate-exposure score 40/100, Fnb Community Bank (#3840) fixed-rate trap 40/100; Fnb Community Bank (#3840) risk type credit driven; Fnb Community Bank (#3840) rate regime rates elevated, Fnb Community Bank (#3840) snapshot October 20, 2026.
Fnb Community Bank (#3840) stress score moved from 66.6 on June 22, 2026 to 64.8 on October 20, 2026; Fnb Community Bank (#3840) ranged 64.8 to 66.6 over 117 snapshots.
Fnb Community Bank (#3840) alerts: 3 counties; top Fnb Community Bank (#3840) alert scores: Mulberry Grove County, IL 23 (low); Patoka County, IL 23 (low); Vandalia County, IL 23 (low).