Promiseone Bank (FDIC #58657): Bank Stress & Real-Estate Credit Exposure
Promiseone Bank (FDIC Cert #58657): bank stress 65/100, elevated, STABLE over 7 days; parent PROMISEONE BCORP INC.
Promiseone Bank (#58657) lends in 6 counties across 4 states; Promiseone Bank (#58657) reaches 353 ZIP codes: Georgia 3 counties, 93 ZIPs; Texas 1 county, 143 ZIPs; New York 1 county, 68 ZIPs; Virginia 1 county, 49 ZIPs.
Promiseone Bank (#58657) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#58657), Queens County, NY (68 branches, 68 ZIPs) (#58657), Fairfax County, VA (98 branches, 49 ZIPs) (#58657), Fulton County, GA (96 branches, 48 ZIPs) (#58657), Dekalb County, GA (36 branches, 36 ZIPs) (#58657), Gwinnett County, GA (78 branches, 26 ZIPs) (#58657).
Promiseone Bank (#58657) reports $812.2 million in total assets; Promiseone Bank (#58657) equity $69.7 million (8.6% of Promiseone Bank (#58657) assets); Promiseone Bank (#58657) domestic deposits $732.2 million; Promiseone Bank (#58657) net income $6.3 million; Promiseone Bank (#58657) return on assets 1.52%; Promiseone Bank (#58657) return on equity 18.37%; Promiseone Bank (#58657) net interest income $12.9 million; Promiseone Bank (#58657) call report June 30, 2026.
Promiseone Bank (#58657) noncurrent real-estate loans 0.11% of its book; Promiseone Bank (#58657) residential 0.21%; Promiseone Bank (#58657) net charge-offs on real estate 0.83%; Promiseone Bank (#58657) residential charge-offs 1.07%.
Promiseone Bank (#58657) net interest margin 3.21% against an eight-quarter Promiseone Bank (#58657) average of 3.12% (Promiseone Bank (#58657) compression -0.09 points); Promiseone Bank (#58657) real-estate loans 11.0% of equity; Promiseone Bank (#58657) non-residential real estate 107.0% of equity; Promiseone Bank (#58657) rate-exposure score 40/100, Promiseone Bank (#58657) fixed-rate trap 40/100; Promiseone Bank (#58657) risk type credit driven; Promiseone Bank (#58657) rate regime rates elevated, Promiseone Bank (#58657) snapshot October 19, 2026.
Promiseone Bank (#58657) stress score moved from 66.8 on June 22, 2026 to 65.2 on October 19, 2026; Promiseone Bank (#58657) ranged 65.2 to 66.8 over 116 snapshots.
Promiseone Bank (#58657) alerts: 5 counties; top Promiseone Bank (#58657) alert scores: Houston County, GA 33 (low); Atlanta County, GA 21 (low); Bayside County, GA 21 (low); Centreville County, GA 21 (low); Suwanee County, GA 21 (low).