Bank National Assn (FDIC #4146): Bank Stress & Real-Estate Credit Exposure

Bank National Assn (FDIC Cert #4146): bank stress 62/100, elevated, STABLE over 7 days; parent NBM CORP.

Bank National Assn (#4146) lends in 3 counties across 1 state; Bank National Assn (#4146) reaches 77 ZIP codes: Oklahoma 3 counties, 77 ZIPs.

Bank National Assn (#4146) largest markets: Tulsa County, OK (43 branches, 43 ZIPs) (#4146), Pittsburg County, OK (57 branches, 19 ZIPs) (#4146), Payne County, OK (30 branches, 15 ZIPs) (#4146).

Bank National Assn (#4146) reports $488.1 million in total assets; Bank National Assn (#4146) equity $43.4 million (8.9% of Bank National Assn (#4146) assets); Bank National Assn (#4146) domestic deposits $442.8 million; Bank National Assn (#4146) net income $3.9 million; Bank National Assn (#4146) return on assets 1.63%; Bank National Assn (#4146) return on equity 18.82%; Bank National Assn (#4146) net interest income $9.7 million; Bank National Assn (#4146) call report June 30, 2026.

Bank National Assn (#4146) noncurrent real-estate loans 0.01% of its book; Bank National Assn (#4146) net charge-offs on real estate 1.39%; Bank National Assn (#4146) multifamily charge-offs 12.98%; Bank National Assn (#4146) residential charge-offs 0.48%.

Bank National Assn (#4146) net interest margin 4.34% against an eight-quarter Bank National Assn (#4146) average of 3.88% (Bank National Assn (#4146) compression -0.47 points); Bank National Assn (#4146) real-estate loans 0.6% of equity; Bank National Assn (#4146) non-residential real estate 47.9% of equity; Bank National Assn (#4146) rate-exposure score 40/100, Bank National Assn (#4146) fixed-rate trap 40/100; Bank National Assn (#4146) risk type credit driven; Bank National Assn (#4146) rate regime rates elevated, Bank National Assn (#4146) snapshot October 19, 2026.

Bank National Assn (#4146) stress score moved from 66.8 on June 22, 2026 to 61.8 on October 19, 2026; Bank National Assn (#4146) ranged 61.8 to 66.8 over 116 snapshots.

Bank National Assn (#4146) alerts: 3 counties; top Bank National Assn (#4146) alert scores: Broken Arrow County, OK 21 (low); Mcalester County, OK 21 (low); Stillwater County, OK 21 (low).