Members Trust Co (FDIC #57470): Bank Stress & Real-Estate Credit Exposure

Members Trust Co (FDIC Cert #57470): bank stress 50/100, moderate, STABLE over 7 days.

Members Trust Co (#57470) lends in 4 counties across 4 states; Members Trust Co (#57470) reaches 171 ZIP codes: Florida 1 county, 58 ZIPs; Virginia 1 county, 49 ZIPs; Colorado 1 county, 33 ZIPs; Texas 1 county, 31 ZIPs.

Members Trust Co (#57470) largest markets: Hillsborough County, FL (58 branches, 58 ZIPs) (#57470), Fairfax County, VA (49 branches, 49 ZIPs) (#57470), Arapahoe County, CO (33 branches, 33 ZIPs) (#57470), El Paso County, TX (31 branches, 31 ZIPs) (#57470).

Members Trust Co (#57470) reports $34.3 million in total assets; Members Trust Co (#57470) equity $28.8 million (84.0% of Members Trust Co (#57470) assets); Members Trust Co (#57470) domestic deposits $500,000; Members Trust Co (#57470) net income minus $185,000; Members Trust Co (#57470) return on assets -1.07%; Members Trust Co (#57470) return on equity -1.28%; Members Trust Co (#57470) net interest income $469,000; Members Trust Co (#57470) call report June 30, 2026.

Members Trust Co (#57470) noncurrent real-estate loans: none reported; Members Trust Co (#57470) net charge-offs on real estate 0.00%.

Members Trust Co (#57470) net interest margin 3.86% against an eight-quarter Members Trust Co (#57470) average of 4.23% (Members Trust Co (#57470) compression 0.37 points); Members Trust Co (#57470) rate-exposure score 40/100, Members Trust Co (#57470) fixed-rate trap 40/100; Members Trust Co (#57470) risk type credit driven; Members Trust Co (#57470) rate regime rates elevated, Members Trust Co (#57470) snapshot October 20, 2026.

Members Trust Co (#57470) stress score held at 50 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Members Trust Co (#57470) alerts: 4 counties; top Members Trust Co (#57470) alert scores: Denver County, FL 19 (low); El Paso County, FL 19 (low); Fairfax County, FL 19 (low); Tampa County, FL 19 (low).