First Nb Of Monterey (FDIC #4364): Bank Stress & Real-Estate Credit Exposure
First Nb Of Monterey (FDIC Cert #4364): bank stress 64/100, elevated, STABLE over 7 days.
First Nb Of Monterey (#4364) lends in 3 counties across 1 state; First Nb Of Monterey (#4364) reaches 29 ZIP codes: Indiana 3 counties, 29 ZIPs.
First Nb Of Monterey (#4364) largest markets: Marshall County, IN (15 branches, 15 ZIPs) (#4364), Pulaski County, IN (26 branches, 13 ZIPs) (#4364), Starke County, IN (11 branches, 11 ZIPs) (#4364).
First Nb Of Monterey (#4364) reports $430.5 million in total assets; First Nb Of Monterey (#4364) equity $48.7 million (11.3% of First Nb Of Monterey (#4364) assets); First Nb Of Monterey (#4364) domestic deposits $379.8 million; First Nb Of Monterey (#4364) net income $2.3 million; First Nb Of Monterey (#4364) return on assets 1.10%; First Nb Of Monterey (#4364) return on equity 9.73%; First Nb Of Monterey (#4364) net interest income $6.2 million; First Nb Of Monterey (#4364) call report June 30, 2026.
First Nb Of Monterey (#4364) noncurrent real-estate loans: none reported; First Nb Of Monterey (#4364) net charge-offs on real estate 0.35%; First Nb Of Monterey (#4364) residential charge-offs 0.85%.
First Nb Of Monterey (#4364) net interest margin 3.06% against an eight-quarter First Nb Of Monterey (#4364) average of 2.68% (First Nb Of Monterey (#4364) compression -0.38 points); First Nb Of Monterey (#4364) non-residential real estate 85.4% of equity; First Nb Of Monterey (#4364) rate-exposure score 40/100, First Nb Of Monterey (#4364) fixed-rate trap 40/100; First Nb Of Monterey (#4364) risk type credit driven; First Nb Of Monterey (#4364) rate regime rates elevated, First Nb Of Monterey (#4364) snapshot October 19, 2026.
First Nb Of Monterey (#4364) stress score moved from 62.9 on June 22, 2026 to 64 on October 19, 2026; First Nb Of Monterey (#4364) ranged 62.9 to 64 over 116 snapshots.
First Nb Of Monterey (#4364) alerts: 3 counties; top First Nb Of Monterey (#4364) alert scores: Culver County, IN 22 (low); North Judson County, IN 22 (low); Winamac County, IN 22 (low).