First Nb Of Sonora (FDIC #5531): Bank Stress & Real-Estate Credit Exposure
First Nb Of Sonora (FDIC Cert #5531): bank stress 88/100, severe, STABLE over 7 days; parent FIRST SONORA BANCSHARES INC.
First Nb Of Sonora (#5531) lends in 7 counties across 1 state; First Nb Of Sonora (#5531) reaches 84 ZIP codes: Texas 7 counties, 84 ZIPs.
First Nb Of Sonora (#5531) largest markets: Williamson County, TX (27 branches, 27 ZIPs) (#5531), Tom Green County, TX (34 branches, 17 ZIPs) (#5531), Guadalupe County, TX (14 branches, 14 ZIPs) (#5531), Hays County, TX (14 branches, 14 ZIPs) (#5531), Comal County, TX (14 branches, 14 ZIPs) (#5531), Kendall County, TX (18 branches, 9 ZIPs) (#5531).
First Nb Of Sonora (#5531) reports $722.0 million in total assets; First Nb Of Sonora (#5531) equity $53.1 million (7.4% of First Nb Of Sonora (#5531) assets); First Nb Of Sonora (#5531) domestic deposits $640.7 million; First Nb Of Sonora (#5531) net income $2.0 million; First Nb Of Sonora (#5531) return on assets 0.57%; First Nb Of Sonora (#5531) return on equity 7.58%; First Nb Of Sonora (#5531) net interest income $14.9 million; First Nb Of Sonora (#5531) call report June 30, 2026.
First Nb Of Sonora (#5531) noncurrent real-estate loans: none reported; First Nb Of Sonora (#5531) net charge-offs on real estate 1.50%; First Nb Of Sonora (#5531) residential charge-offs 1.72%.
First Nb Of Sonora (#5531) net interest margin 4.80% against an eight-quarter First Nb Of Sonora (#5531) average of 4.47% (First Nb Of Sonora (#5531) compression -0.33 points); First Nb Of Sonora (#5531) non-residential real estate 172.2% of equity; First Nb Of Sonora (#5531) rate-exposure score 40/100, First Nb Of Sonora (#5531) fixed-rate trap 40/100; First Nb Of Sonora (#5531) risk type credit driven; First Nb Of Sonora (#5531) rate regime rates elevated, First Nb Of Sonora (#5531) snapshot October 19, 2026.
First Nb Of Sonora (#5531) stress score moved from 84.8 on June 22, 2026 to 88.4 on October 19, 2026; First Nb Of Sonora (#5531) ranged 84.8 to 88.4 over 116 snapshots.
First Nb Of Sonora (#5531) alerts: 7 counties; top First Nb Of Sonora (#5531) alert scores: Boerne County, TX 26 (low); Hutto County, TX 26 (low); New Braunfels County, TX 26 (low); San Angelo County, TX 26 (low); Sonora County, TX 26 (low).