First Nb Of Tom Bean (FDIC #5557): Bank Stress & Real-Estate Credit Exposure

First Nb Of Tom Bean (FDIC Cert #5557): bank stress 62/100, elevated, STABLE over 7 days; parent TOM BEAN BANK HOLDING CO.

First Nb Of Tom Bean (#5557) lends in 4 counties across 2 states; First Nb Of Tom Bean (#5557) reaches 46 ZIP codes: Texas 2 counties, 30 ZIPs; Arkansas 2 counties, 16 ZIPs.

First Nb Of Tom Bean (#5557) largest markets: Grayson County, TX (21 branches, 21 ZIPs) (#5557), Hempstead County, AR (11 branches, 11 ZIPs) (#5557), Red River County, TX (9 branches, 9 ZIPs) (#5557), Lafayette County, AR (6 branches, 6 ZIPs) (#5557).

First Nb Of Tom Bean (#5557) reports $155.6 million in total assets; First Nb Of Tom Bean (#5557) equity $18.7 million (12.0% of First Nb Of Tom Bean (#5557) assets); First Nb Of Tom Bean (#5557) domestic deposits $135.7 million; First Nb Of Tom Bean (#5557) net income $795,000; First Nb Of Tom Bean (#5557) return on assets 1.05%; First Nb Of Tom Bean (#5557) return on equity 8.65%; First Nb Of Tom Bean (#5557) net interest income $3.9 million; First Nb Of Tom Bean (#5557) call report June 30, 2026.

First Nb Of Tom Bean (#5557) noncurrent real-estate loans: none reported; First Nb Of Tom Bean (#5557) net charge-offs on real estate 1.78%.

First Nb Of Tom Bean (#5557) net interest margin 5.60% against an eight-quarter First Nb Of Tom Bean (#5557) average of 5.43% (First Nb Of Tom Bean (#5557) compression -0.17 points); First Nb Of Tom Bean (#5557) rate-exposure score 40/100, First Nb Of Tom Bean (#5557) fixed-rate trap 40/100; First Nb Of Tom Bean (#5557) risk type credit driven; First Nb Of Tom Bean (#5557) rate regime rates elevated, First Nb Of Tom Bean (#5557) snapshot October 19, 2026.

First Nb Of Tom Bean (#5557) stress score moved from 61.8 on June 22, 2026 to 62.3 on October 19, 2026; First Nb Of Tom Bean (#5557) ranged 61.8 to 62.3 over 116 snapshots.

First Nb Of Tom Bean (#5557) alerts: 4 counties; top First Nb Of Tom Bean (#5557) alert scores: Clarksville County, TX 20 (low); Hope County, TX 20 (low); Lewisville County, TX 20 (low); Tom Bean County, TX 20 (low).