Bankplus (FDIC #5903): Bank Stress & Real-Estate Credit Exposure
Bankplus (FDIC Cert #5903): bank stress 61/100, elevated, STABLE over 7 days; parent BANCPLUS CORP.
Bankplus (#5903) lends in 35 counties across 4 states; Bankplus (#5903) reaches 449 ZIP codes: Mississippi 22 counties, 211 ZIPs; Louisiana 7 counties, 127 ZIPs; Alabama 5 counties, 98 ZIPs; Florida 1 county, 13 ZIPs.
Bankplus (#5903) largest markets: Mobile County, AL (78 branches, 39 ZIPs) (#5903), East Baton Rouge County, LA (56 branches, 28 ZIPs) (#5903), Baldwin County, AL (24 branches, 24 ZIPs) (#5903), Hinds County, MS (192 branches, 24 ZIPs) (#5903), Orleans County, LA (40 branches, 20 ZIPs) (#5903), Tangipahoa County, LA (40 branches, 20 ZIPs) (#5903).
Bankplus (#5903) reports $8.38 billion in total assets; Bankplus (#5903) equity $942.2 million (11.2% of Bankplus (#5903) assets); Bankplus (#5903) domestic deposits $7.35 billion; Bankplus (#5903) net income $52.4 million; Bankplus (#5903) return on assets 1.27%; Bankplus (#5903) return on equity 11.23%; Bankplus (#5903) net interest income $147.5 million; Bankplus (#5903) call report June 30, 2026.
Bankplus (#5903) noncurrent real-estate loans 0.01% of its book; Bankplus (#5903) multifamily 0.16%; Bankplus (#5903) residential -0.01%; Bankplus (#5903) net charge-offs on real estate 0.68%; Bankplus (#5903) multifamily charge-offs 0.33%; Bankplus (#5903) residential charge-offs 0.41%.
Bankplus (#5903) net interest margin 3.82% against an eight-quarter Bankplus (#5903) average of 3.60% (Bankplus (#5903) compression -0.22 points); Bankplus (#5903) real-estate loans 0.8% of equity; Bankplus (#5903) non-residential real estate 41.1% of equity; Bankplus (#5903) rate-exposure score 40/100, Bankplus (#5903) fixed-rate trap 40/100; Bankplus (#5903) risk type credit driven; Bankplus (#5903) rate regime rates elevated, Bankplus (#5903) snapshot October 19, 2026.
Bankplus (#5903) stress score moved from 56.5 on June 22, 2026 to 60.7 on October 20, 2026; Bankplus (#5903) ranged 56.5 to 60.7 over 117 snapshots.
Bankplus (#5903) alerts: 35 counties; top Bankplus (#5903) alert scores: Jackson County, MS 48 (moderate); Newton County, MS 45 (moderate); Lafayette County, MS 39 (moderate); Quitman County, MS 38 (moderate); Grenada County, MS 37 (moderate).