Climate First Bank (FDIC #59257): Bank Stress & Real-Estate Credit Exposure

Climate First Bank (FDIC Cert #59257): bank stress 69/100, elevated, STABLE over 7 days; parent CLIMATE FIRST BCORP INC.

Climate First Bank (#59257) lends in 3 counties across 1 state; Climate First Bank (#59257) reaches 124 ZIP codes: Florida 3 counties, 124 ZIPs.

Climate First Bank (#59257) largest markets: Orange County, FL (49 branches, 49 ZIPs) (#59257), Pinellas County, FL (48 branches, 48 ZIPs) (#59257), Lake County, FL (30 branches, 30 ZIPs) (#59257).

Climate First Bank (#59257) reports $1.94 billion in total assets; Climate First Bank (#59257) equity $178.3 million (9.2% of Climate First Bank (#59257) assets); Climate First Bank (#59257) domestic deposits $1.55 billion; Climate First Bank (#59257) net income $10.8 million; Climate First Bank (#59257) return on assets 1.22%; Climate First Bank (#59257) return on equity 13.42%; Climate First Bank (#59257) net interest income $33.2 million; Climate First Bank (#59257) call report June 30, 2026.

Climate First Bank (#59257) noncurrent real-estate loans: none reported; Climate First Bank (#59257) net charge-offs on real estate 0.00%.

Climate First Bank (#59257) net interest margin 3.87% against an eight-quarter Climate First Bank (#59257) average of 3.49% (Climate First Bank (#59257) compression -0.38 points); Climate First Bank (#59257) rate-exposure score 40/100, Climate First Bank (#59257) fixed-rate trap 40/100; Climate First Bank (#59257) risk type credit driven; Climate First Bank (#59257) rate regime rates elevated, Climate First Bank (#59257) snapshot October 19, 2026.

Climate First Bank (#59257) stress score moved from 66.2 on June 22, 2026 to 69 on October 19, 2026; Climate First Bank (#59257) ranged 66.2 to 69 over 116 snapshots.

Climate First Bank (#59257) alerts: 3 counties; top Climate First Bank (#59257) alert scores: Eustis County, FL 22 (low); Saint Petersburg County, FL 22 (low); Winter Park County, FL 22 (low).