Firstbank (FDIC #8663): Bank Stress & Real-Estate Credit Exposure
Firstbank (FDIC Cert #8663): bank stress 55/100, moderate, STABLE over 7 days; parent FB FINANCIAL CORP (FBK).
Firstbank (#8663) lends in 50 counties across 4 states; Firstbank (#8663) reaches 612 ZIP codes: Tennessee 31 counties, 341 ZIPs; Alabama 9 counties, 186 ZIPs; Georgia 8 counties, 72 ZIPs; Kentucky 2 counties, 14 ZIPs.
Firstbank (#8663) largest markets: Jefferson County, AL (128 branches, 64 ZIPs) (#8663), Shelby County, TN (41 branches, 41 ZIPs) (#8663), Davidson County, TN (185 branches, 37 ZIPs) (#8663), Hamilton County, TN (160 branches, 32 ZIPs) (#8663), Knox County, TN (124 branches, 31 ZIPs) (#8663), Tuscaloosa County, AL (28 branches, 28 ZIPs) (#8663).
Firstbank (#8663) reports $16.76 billion in total assets; Firstbank (#8663) equity $1.97 billion (11.7% of Firstbank (#8663) assets); Firstbank (#8663) domestic deposits $14.36 billion; Firstbank (#8663) net income $120.2 million; Firstbank (#8663) return on assets 1.46%; Firstbank (#8663) return on equity 12.13%; Firstbank (#8663) net interest income $297.9 million; Firstbank (#8663) call report June 30, 2026.
Firstbank (#8663) noncurrent real-estate loans 0.02% of its book; Firstbank (#8663) net charge-offs on real estate 1.38%; Firstbank (#8663) multifamily charge-offs 0.97%; Firstbank (#8663) residential charge-offs 0.59%.
Firstbank (#8663) net interest margin 3.95% against an eight-quarter Firstbank (#8663) average of 3.77% (Firstbank (#8663) compression -0.19 points); Firstbank (#8663) real-estate loans 2.1% of equity; Firstbank (#8663) non-residential real estate 58.7% of equity; Firstbank (#8663) rate-exposure score 40/100, Firstbank (#8663) fixed-rate trap 40/100; Firstbank (#8663) risk type market signal; Firstbank (#8663) rate regime rates elevated; Firstbank (#8663) shares 17.0% below the 52-week high, Firstbank (#8663) equity trend weakening, Firstbank (#8663) snapshot October 19, 2026.
Firstbank (#8663) stress score moved from 52.3 on June 22, 2026 to 55.2 on October 19, 2026; Firstbank (#8663) ranged 52.3 to 55.2 over 116 snapshots.
Firstbank (#8663) alerts: 39 counties; top Firstbank (#8663) alert scores: Henderson County, TN 47 (moderate); Dickson County, TN 41 (moderate); Jackson County, TN 33 (low); Anniston County, TN 20 (low); Birmingham County, TN 20 (low).