1st Source Bank (FDIC #9087): Bank Stress & Real-Estate Credit Exposure
1st Source Bank (FDIC Cert #9087): bank stress 38/100, contained, STABLE over 7 days; parent 1ST SOURCE CORP (SRCE).
1st Source Bank (#9087) lends in 20 counties across 3 states; 1st Source Bank (#9087) reaches 297 ZIP codes: Indiana 16 counties, 210 ZIPs; Michigan 3 counties, 59 ZIPs; Florida 1 county, 28 ZIPs.
1st Source Bank (#9087) largest markets: Allen County, IN (264 branches, 33 ZIPs) (#9087), Sarasota County, FL (28 branches, 28 ZIPs) (#9087), Kalamazoo County, MI (50 branches, 25 ZIPs) (#9087), St. Joseph County, IN (575 branches, 25 ZIPs) (#9087), Berrien County, MI (120 branches, 24 ZIPs) (#9087), Hamilton County, IN (23 branches, 23 ZIPs) (#9087).
1st Source Bank (#9087) reports $9.26 billion in total assets; 1st Source Bank (#9087) equity $1.26 billion (13.6% of 1st Source Bank (#9087) assets); 1st Source Bank (#9087) domestic deposits $7.43 billion; 1st Source Bank (#9087) net income $90.9 million; 1st Source Bank (#9087) return on assets 1.99%; 1st Source Bank (#9087) return on equity 14.72%; 1st Source Bank (#9087) net interest income $186.8 million; 1st Source Bank (#9087) call report June 30, 2026.
1st Source Bank (#9087) noncurrent real-estate loans 0.03% of its book; 1st Source Bank (#9087) residential -0.02%; 1st Source Bank (#9087) net charge-offs on real estate 0.41%; 1st Source Bank (#9087) residential charge-offs 0.27%.
1st Source Bank (#9087) net interest margin 4.38% against an eight-quarter 1st Source Bank (#9087) average of 4.09% (1st Source Bank (#9087) compression -0.29 points); 1st Source Bank (#9087) real-estate loans 3.4% of equity; 1st Source Bank (#9087) non-residential real estate 27.3% of equity; 1st Source Bank (#9087) rate-exposure score 40/100, 1st Source Bank (#9087) fixed-rate trap 40/100; 1st Source Bank (#9087) risk type rate trapped; 1st Source Bank (#9087) rate regime rates elevated; 1st Source Bank (#9087) shares 5.4% below the 52-week high, 1st Source Bank (#9087) equity trend stable, 1st Source Bank (#9087) snapshot October 19, 2026.
1st Source Bank (#9087) stress score moved from 40.2 on June 22, 2026 to 38.2 on October 19, 2026; 1st Source Bank (#9087) ranged 38.2 to 40.2 over 116 snapshots.
1st Source Bank (#9087) alerts: 20 counties; top 1st Source Bank (#9087) alert scores: Knox County, IN 34 (low); Huntington County, IN 27 (low); Auburn County, IN 17 (low); Bluffton County, IN 17 (low); Carmel County, IN 17 (low).