First National Bank (FDIC #4324): Bank Stress & Real-Estate Credit Exposure

First National Bank (FDIC Cert #4324): bank stress 90/100, severe, STABLE over 7 days; parent FIRST NATIONAL BANK CORP.

First National Bank (#4324) lends in 3 counties across 1 state; First National Bank (#4324) reaches 45 ZIP codes: Indiana 3 counties, 45 ZIPs.

First National Bank (#4324) largest markets: Hendricks County, IN (57 branches, 19 ZIPs) (#4324), Putnam County, IN (48 branches, 16 ZIPs) (#4324), Johnson County, IN (12 branches, 12 ZIPs) (#4324).

First National Bank (#4324) reports $418.5 million in total assets; First National Bank (#4324) equity $32.2 million (7.7% of First National Bank (#4324) assets); First National Bank (#4324) domestic deposits $383.1 million; First National Bank (#4324) net income $894,000; First National Bank (#4324) return on assets 0.42%; First National Bank (#4324) return on equity 5.58%; First National Bank (#4324) net interest income $6.1 million; First National Bank (#4324) call report June 30, 2026.

First National Bank (#4324) noncurrent real-estate loans: none reported; First National Bank (#4324) net charge-offs on real estate 0.81%; First National Bank (#4324) residential charge-offs 0.79%.

First National Bank (#4324) net interest margin 3.06% against an eight-quarter First National Bank (#4324) average of 3.06% (First National Bank (#4324) compression 0.00 points); First National Bank (#4324) non-residential real estate 79.0% of equity; First National Bank (#4324) rate-exposure score 40/100, First National Bank (#4324) fixed-rate trap 40/100; First National Bank (#4324) risk type credit driven; First National Bank (#4324) rate regime rates elevated, First National Bank (#4324) snapshot October 19, 2026.

First National Bank (#4324) stress score moved from 89.4 on June 22, 2026 to 90.2 on October 19, 2026; First National Bank (#4324) ranged 89.4 to 90.2 over 116 snapshots.

First National Bank (#4324) alerts: 3 counties; top First National Bank (#4324) alert scores: Franklin County, IN 51 (elevated); Greencastle County, IN 29 (low); Plainfield County, IN 29 (low).