First Nb Of Sterling City (FDIC #5538): Bank Stress & Real-Estate Credit Exposure
First Nb Of Sterling City (FDIC Cert #5538): bank stress 61/100, elevated, STABLE over 7 days; parent STERLING CITY BANCSHARES INC.
First Nb Of Sterling City (#5538) lends in 3 counties across 1 state; First Nb Of Sterling City (#5538) reaches 9 ZIP codes: Texas 3 counties, 9 ZIPs.
First Nb Of Sterling City (#5538) largest markets: Coke County, TX (4 branches, 4 ZIPs) (#5538), Glasscock County, TX (4 branches, 4 ZIPs) (#5538), Sterling County, TX (2 branches, 2 ZIPs) (#5538).
First Nb Of Sterling City (#5538) reports $240.1 million in total assets; First Nb Of Sterling City (#5538) equity $21.6 million (9.0% of First Nb Of Sterling City (#5538) assets); First Nb Of Sterling City (#5538) domestic deposits $218.4 million; First Nb Of Sterling City (#5538) net income $2.1 million; First Nb Of Sterling City (#5538) return on assets 1.67%; First Nb Of Sterling City (#5538) return on equity 19.20%; First Nb Of Sterling City (#5538) net interest income $3.6 million; First Nb Of Sterling City (#5538) call report June 30, 2026.
First Nb Of Sterling City (#5538) noncurrent real-estate loans: none reported; First Nb Of Sterling City (#5538) net charge-offs on real estate 0.00%.
First Nb Of Sterling City (#5538) net interest margin 2.95% against an eight-quarter First Nb Of Sterling City (#5538) average of 2.79% (First Nb Of Sterling City (#5538) compression -0.16 points); First Nb Of Sterling City (#5538) rate-exposure score 40/100, First Nb Of Sterling City (#5538) fixed-rate trap 40/100; First Nb Of Sterling City (#5538) risk type credit driven; First Nb Of Sterling City (#5538) rate regime rates elevated, First Nb Of Sterling City (#5538) snapshot October 20, 2026.
First Nb Of Sterling City (#5538) stress score moved from 61 on June 22, 2026 to 60.7 on October 20, 2026; First Nb Of Sterling City (#5538) ranged 60.7 to 61 over 117 snapshots.
First Nb Of Sterling City (#5538) alerts: 3 counties; top First Nb Of Sterling City (#5538) alert scores: Bronte County, TX 20 (low); Garden City County, TX 20 (low); Sterling City County, TX 20 (low).