First National Bank&Trust Co (FDIC #5062): Bank Stress & Real-Estate Credit Exposure
First National Bank&Trust Co (FDIC Cert #5062): bank stress 75/100, severe, STABLE over 7 days; parent FNB BANCSHARES INC.
First National Bank&Trust Co (#5062) lends in 4 counties across 1 state; First National Bank&Trust Co (#5062) reaches 45 ZIP codes: Michigan 4 counties, 45 ZIPs.
First National Bank&Trust Co (#5062) largest markets: Marquette County, MI (30 branches, 15 ZIPs) (#5062), Menominee County, MI (14 branches, 14 ZIPs) (#5062), Dickinson County, MI (33 branches, 11 ZIPs) (#5062), Iron County, MI (8 branches, 8 ZIPs) (#5062).
First National Bank&Trust Co (#5062) reports $386.4 million in total assets; First National Bank&Trust Co (#5062) equity $37.0 million (9.6% of First National Bank&Trust Co (#5062) assets); First National Bank&Trust Co (#5062) domestic deposits $337.6 million; First National Bank&Trust Co (#5062) net income $1.7 million; First National Bank&Trust Co (#5062) return on assets 0.85%; First National Bank&Trust Co (#5062) return on equity 9.48%; First National Bank&Trust Co (#5062) net interest income $7.2 million; First National Bank&Trust Co (#5062) call report June 30, 2026.
First National Bank&Trust Co (#5062) noncurrent real-estate loans: none reported; First National Bank&Trust Co (#5062) net charge-offs on real estate 3.97%; First National Bank&Trust Co (#5062) multifamily charge-offs 38.63%; First National Bank&Trust Co (#5062) residential charge-offs 0.82%.
First National Bank&Trust Co (#5062) net interest margin 3.91% against an eight-quarter First National Bank&Trust Co (#5062) average of 3.40% (First National Bank&Trust Co (#5062) compression -0.50 points); First National Bank&Trust Co (#5062) non-residential real estate 82.3% of equity; First National Bank&Trust Co (#5062) rate-exposure score 40/100, First National Bank&Trust Co (#5062) fixed-rate trap 40/100; First National Bank&Trust Co (#5062) risk type credit driven; First National Bank&Trust Co (#5062) rate regime rates elevated, First National Bank&Trust Co (#5062) snapshot October 19, 2026.
First National Bank&Trust Co (#5062) stress score moved from 77 on June 22, 2026 to 75.1 on October 20, 2026; First National Bank&Trust Co (#5062) ranged 75.1 to 77 over 117 snapshots.
First National Bank&Trust Co (#5062) alerts: 4 counties; top First National Bank&Trust Co (#5062) alert scores: Menominee County, MI 59 (elevated); Marquette County, MI 52 (elevated); Iron River County, MI 26 (low); Kingsford County, MI 26 (low).