First Bank (FDIC #4092): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #4092): bank stress 25/100, contained, STABLE over 7 days; parent ERICK BANCSHARES INC.

First Bank (#4092) lends in 3 counties across 1 state; First Bank (#4092) reaches 37 ZIP codes: Oklahoma 3 counties, 37 ZIPs.

First Bank (#4092) largest markets: Mayes County, OK (34 branches, 17 ZIPs) (#4092), Wagoner County, OK (16 branches, 16 ZIPs) (#4092), Beckham County, OK (7 branches, 7 ZIPs) (#4092).

First Bank (#4092) reports $118.0 million in total assets; First Bank (#4092) equity $16.7 million (14.2% of First Bank (#4092) assets); First Bank (#4092) domestic deposits $100.1 million; First Bank (#4092) net income $1.7 million; First Bank (#4092) return on assets 2.88%; First Bank (#4092) return on equity 19.93%; First Bank (#4092) net interest income $2.9 million; First Bank (#4092) call report June 30, 2026.

First Bank (#4092) noncurrent real-estate loans: none reported; First Bank (#4092) net charge-offs on real estate 0.37%.

First Bank (#4092) net interest margin 5.32% against an eight-quarter First Bank (#4092) average of 6.13% (First Bank (#4092) compression 0.81 points); First Bank (#4092) rate-exposure score 40/100, First Bank (#4092) fixed-rate trap 40/100; First Bank (#4092) risk type rate trapped; First Bank (#4092) rate regime rates elevated, First Bank (#4092) snapshot October 19, 2026.

First Bank (#4092) stress score held at 24.6 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

First Bank (#4092) alerts: 3 counties; top First Bank (#4092) alert scores: Erick County, OK 13 (low); Locust Grove County, OK 13 (low); Porter County, OK 13 (low).