Neffs National Bank (FDIC #7646): Bank Stress & Real-Estate Credit Exposure

Neffs National Bank (FDIC Cert #7646): bank stress 61/100, elevated, STABLE over 7 days; parent NEFFS BCORP INC.

Neffs National Bank (#7646) lends in 3 counties across 1 state; Neffs National Bank (#7646) reaches 78 ZIP codes: Pennsylvania 3 counties, 78 ZIPs.

Neffs National Bank (#7646) largest markets: Lehigh County, PA (36 branches, 36 ZIPs) (#7646), Northampton County, PA (26 branches, 26 ZIPs) (#7646), Carbon County, PA (21 branches, 21 ZIPs) (#7646).

Neffs National Bank (#7646) reports $470.8 million in total assets; Neffs National Bank (#7646) equity $71.7 million (15.2% of Neffs National Bank (#7646) assets); Neffs National Bank (#7646) domestic deposits $371.9 million; Neffs National Bank (#7646) net income $1.2 million; Neffs National Bank (#7646) return on assets 0.53%; Neffs National Bank (#7646) return on equity 3.50%; Neffs National Bank (#7646) net interest income $6.1 million; Neffs National Bank (#7646) call report June 30, 2026.

Neffs National Bank (#7646) noncurrent real-estate loans: none reported; Neffs National Bank (#7646) net charge-offs on real estate 0.04%.

Neffs National Bank (#7646) net interest margin 2.67% against an eight-quarter Neffs National Bank (#7646) average of 2.40% (Neffs National Bank (#7646) compression -0.27 points); Neffs National Bank (#7646) rate-exposure score 40/100, Neffs National Bank (#7646) fixed-rate trap 40/100; Neffs National Bank (#7646) risk type credit driven; Neffs National Bank (#7646) rate regime rates elevated, Neffs National Bank (#7646) snapshot October 19, 2026.

Neffs National Bank (#7646) stress score moved from 60.2 on June 22, 2026 to 61.4 on October 19, 2026; Neffs National Bank (#7646) ranged 60.2 to 61.4 over 116 snapshots.

Neffs National Bank (#7646) alerts: 3 counties; top Neffs National Bank (#7646) alert scores: Neffs County, PA 21 (low); Palmerton County, PA 21 (low); Walnutport County, PA 21 (low).