Firstoak Bank (FDIC #4660): Bank Stress & Real-Estate Credit Exposure

Firstoak Bank (FDIC Cert #4660): bank stress 60/100, elevated, STABLE over 7 days; parent FNB BANCSHARES INC.

Firstoak Bank (#4660) lends in 3 counties across 2 states; Firstoak Bank (#4660) reaches 34 ZIP codes: Kansas 2 counties, 19 ZIPs; Colorado 1 county, 15 ZIPs.

Firstoak Bank (#4660) largest markets: Pueblo County, CO (15 branches, 15 ZIPs) (#4660), Montgomery County, KS (26 branches, 13 ZIPs) (#4660), Wilson County, KS (10 branches, 10 ZIPs) (#4660).

Firstoak Bank (#4660) reports $241.2 million in total assets; Firstoak Bank (#4660) equity $26.5 million (11.0% of Firstoak Bank (#4660) assets); Firstoak Bank (#4660) domestic deposits $212.3 million; Firstoak Bank (#4660) net income $1.6 million; Firstoak Bank (#4660) return on assets 1.35%; Firstoak Bank (#4660) return on equity 12.51%; Firstoak Bank (#4660) net interest income $5.8 million; Firstoak Bank (#4660) call report June 30, 2026.

Firstoak Bank (#4660) noncurrent real-estate loans: none reported; Firstoak Bank (#4660) net charge-offs on real estate 0.00%.

Firstoak Bank (#4660) net interest margin 5.21% against an eight-quarter Firstoak Bank (#4660) average of 5.13% (Firstoak Bank (#4660) compression -0.08 points); Firstoak Bank (#4660) rate-exposure score 40/100, Firstoak Bank (#4660) fixed-rate trap 40/100; Firstoak Bank (#4660) risk type credit driven; Firstoak Bank (#4660) rate regime rates elevated, Firstoak Bank (#4660) snapshot October 19, 2026.

Firstoak Bank (#4660) stress score moved from 59.3 on June 22, 2026 to 60.1 on October 19, 2026; Firstoak Bank (#4660) ranged 59.3 to 60.1 over 116 snapshots.

Firstoak Bank (#4660) alerts: 3 counties; top Firstoak Bank (#4660) alert scores: Fredonia County, KS 21 (low); Independence County, KS 21 (low); Pueblo County, KS 21 (low).