First Nb Of Waterloo (FDIC #3842): Bank Stress & Real-Estate Credit Exposure
First Nb Of Waterloo (FDIC Cert #3842): bank stress 72/100, elevated, STABLE over 7 days; parent FIRST WATERLOO BANCSHARES INC.
First Nb Of Waterloo (#3842) lends in 5 counties across 1 state; First Nb Of Waterloo (#3842) reaches 104 ZIP codes: Illinois 5 counties, 104 ZIPs.
First Nb Of Waterloo (#3842) largest markets: Madison County, IL (72 branches, 36 ZIPs) (#3842), St. Clair County, IL (272 branches, 34 ZIPs) (#3842), Shelby County, IL (22 branches, 22 ZIPs) (#3842), Effingham County, IL (15 branches, 15 ZIPs) (#3842), Monroe County, IL (40 branches, 10 ZIPs) (#3842).
First Nb Of Waterloo (#3842) reports $929.3 million in total assets; First Nb Of Waterloo (#3842) equity $91.7 million (9.9% of First Nb Of Waterloo (#3842) assets); First Nb Of Waterloo (#3842) domestic deposits $779.6 million; First Nb Of Waterloo (#3842) net income $4.5 million; First Nb Of Waterloo (#3842) return on assets 0.96%; First Nb Of Waterloo (#3842) return on equity 10.05%; First Nb Of Waterloo (#3842) net interest income $14.9 million; First Nb Of Waterloo (#3842) call report June 30, 2026.
First Nb Of Waterloo (#3842) noncurrent real-estate loans: none reported; First Nb Of Waterloo (#3842) net charge-offs on real estate 1.47%; First Nb Of Waterloo (#3842) multifamily charge-offs 0.03%; First Nb Of Waterloo (#3842) residential charge-offs 1.85%.
First Nb Of Waterloo (#3842) net interest margin 3.45% against an eight-quarter First Nb Of Waterloo (#3842) average of 3.00% (First Nb Of Waterloo (#3842) compression -0.45 points); First Nb Of Waterloo (#3842) real-estate loans 0.2% of equity; First Nb Of Waterloo (#3842) non-residential real estate 185.4% of equity; First Nb Of Waterloo (#3842) rate-exposure score 40/100, First Nb Of Waterloo (#3842) fixed-rate trap 40/100; First Nb Of Waterloo (#3842) risk type credit driven; First Nb Of Waterloo (#3842) rate regime rates elevated, First Nb Of Waterloo (#3842) snapshot October 19, 2026.
First Nb Of Waterloo (#3842) stress score moved from 73.4 on June 22, 2026 to 71.8 on October 19, 2026; First Nb Of Waterloo (#3842) ranged 71.8 to 73.4 over 116 snapshots.
First Nb Of Waterloo (#3842) alerts: 5 counties; top First Nb Of Waterloo (#3842) alert scores: Effingham County, IL 49 (moderate); Maryville County, IL 25 (low); Smithton County, IL 25 (low); Stewardson County, IL 25 (low); Waterloo County, IL 25 (low).