First State Bank (FDIC #5835): Bank Stress & Real-Estate Credit Exposure

First State Bank (FDIC Cert #5835): bank stress 50/100, moderate, STABLE over 7 days; parent NORTON BANKSHARES INC.

First State Bank (#5835) lends in 5 counties across 2 states; First State Bank (#5835) reaches 44 ZIP codes: Kansas 4 counties, 34 ZIPs; Nebraska 1 county, 10 ZIPs.

First State Bank (#5835) largest markets: Graham County, KS (13 branches, 13 ZIPs) (#5835), Sheridan County, KS (11 branches, 11 ZIPs) (#5835), Rooks County, KS (10 branches, 10 ZIPs) (#5835), Phelps County, NE (10 branches, 10 ZIPs) (#5835), Norton County, KS (7 branches, 7 ZIPs) (#5835).

First State Bank (#5835) reports $493.2 million in total assets; First State Bank (#5835) equity $54.2 million (11.0% of First State Bank (#5835) assets); First State Bank (#5835) domestic deposits $406.6 million; First State Bank (#5835) net income $4.7 million; First State Bank (#5835) return on assets 1.85%; First State Bank (#5835) return on equity 17.70%; First State Bank (#5835) net interest income $9.9 million; First State Bank (#5835) call report June 30, 2026.

First State Bank (#5835) noncurrent real-estate loans: none reported; First State Bank (#5835) net charge-offs on real estate 0.03%.

First State Bank (#5835) net interest margin 4.14% against an eight-quarter First State Bank (#5835) average of 3.75% (First State Bank (#5835) compression -0.40 points); First State Bank (#5835) rate-exposure score 40/100, First State Bank (#5835) fixed-rate trap 40/100; First State Bank (#5835) risk type credit driven; First State Bank (#5835) rate regime rates elevated, First State Bank (#5835) snapshot October 19, 2026.

First State Bank (#5835) stress score moved from 51.2 on June 22, 2026 to 50.1 on October 20, 2026; First State Bank (#5835) ranged 50.1 to 51.2 over 117 snapshots.

First State Bank (#5835) alerts: 5 counties; top First State Bank (#5835) alert scores: Norton County, KS 30 (low); Hill City County, KS 19 (low); Holdrege County, KS 19 (low); Hoxie County, KS 19 (low); Plainville County, KS 19 (low).