B1bank (FDIC #58228): Bank Stress & Real-Estate Credit Exposure
B1bank (FDIC Cert #58228): bank stress 58/100, moderate, STABLE over 7 days; parent BUSINESS FIRST BANCSHARES INC.
B1bank (#58228) lends in 30 counties across 2 states; B1bank (#58228) reaches 580 ZIP codes: Louisiana 23 counties, 267 ZIPs; Texas 7 counties, 313 ZIPs.
B1bank (#58228) largest markets: Harris County, TX (572 branches, 143 ZIPs) (#58228), Dallas County, TX (380 branches, 95 ZIPs) (#58228), Collin County, TX (120 branches, 40 ZIPs) (#58228), Fort Bend County, TX (35 branches, 35 ZIPs) (#58228), East Baton Rouge County, LA (140 branches, 28 ZIPs) (#58228), Caddo County, LA (104 branches, 26 ZIPs) (#58228).
B1bank (#58228) reports $8.89 billion in total assets; B1bank (#58228) equity $1.08 billion (12.2% of B1bank (#58228) assets); B1bank (#58228) domestic deposits $7.27 billion; B1bank (#58228) net income $53.3 million; B1bank (#58228) return on assets 1.23%; B1bank (#58228) return on equity 10.30%; B1bank (#58228) net interest income $156.4 million; B1bank (#58228) call report June 30, 2026.
B1bank (#58228) noncurrent real-estate loans 0.05% of its book; B1bank (#58228) residential 0.08%; B1bank (#58228) net charge-offs on real estate 0.91%; B1bank (#58228) commercial charge-offs 3.40%; B1bank (#58228) multifamily charge-offs 0.14%; B1bank (#58228) residential charge-offs 0.79%.
B1bank (#58228) net interest margin 3.88% against an eight-quarter B1bank (#58228) average of 3.73% (B1bank (#58228) compression -0.15 points); B1bank (#58228) real-estate loans 4.5% of equity; B1bank (#58228) commercial real estate 340.2% of equity; B1bank (#58228) non-residential real estate 78.7% of equity; B1bank (#58228) rate-exposure score 74/100, B1bank (#58228) fixed-rate trap 74/100; B1bank (#58228) risk type cre heavy; B1bank (#58228) rate regime rates elevated, B1bank (#58228) snapshot October 19, 2026.
B1bank (#58228) stress score moved from 58.1 on June 22, 2026 to 58.2 on October 20, 2026; B1bank (#58228) ranged 58.1 to 58.2 over 117 snapshots.
B1bank (#58228) alerts: 30 counties; top B1bank (#58228) alert scores: Lafayette County, LA 31 (low); Bastrop County, LA 20 (low); Baton Rouge County, LA 20 (low); Bossier City County, LA 20 (low); Covington County, LA 20 (low).