Fnb Bank (FDIC #954): Bank Stress & Real-Estate Credit Exposure

Fnb Bank (FDIC Cert #954): bank stress 29/100, contained, STABLE over 7 days; parent FIRST FONTANELLE EMPLOYEE STK OWNERSHIP PLAN&TR.

Fnb Bank (#954) lends in 3 counties across 1 state; Fnb Bank (#954) reaches 51 ZIP codes: Iowa 3 counties, 51 ZIPs.

Fnb Bank (#954) largest markets: Woodbury County, IA (26 branches, 26 ZIPs) (#954), Adair County, IA (28 branches, 14 ZIPs) (#954), Cass County, IA (26 branches, 13 ZIPs) (#954).

Fnb Bank (#954) reports $274.6 million in total assets; Fnb Bank (#954) equity $43.5 million (15.9% of Fnb Bank (#954) assets); Fnb Bank (#954) domestic deposits $211.3 million; Fnb Bank (#954) net income $2.8 million; Fnb Bank (#954) return on assets 2.03%; Fnb Bank (#954) return on equity 13.01%; Fnb Bank (#954) net interest income $5.5 million; Fnb Bank (#954) call report June 30, 2026.

Fnb Bank (#954) noncurrent real-estate loans: none reported; Fnb Bank (#954) residential -0.06%; Fnb Bank (#954) net charge-offs on real estate 0.03%.

Fnb Bank (#954) net interest margin 4.22% against an eight-quarter Fnb Bank (#954) average of 3.81% (Fnb Bank (#954) compression -0.41 points); Fnb Bank (#954) rate-exposure score 40/100, Fnb Bank (#954) fixed-rate trap 40/100; Fnb Bank (#954) risk type rate trapped; Fnb Bank (#954) rate regime rates elevated, Fnb Bank (#954) snapshot October 19, 2026.

Fnb Bank (#954) stress score moved from 29.1 on June 22, 2026 to 29.4 on October 20, 2026; Fnb Bank (#954) ranged 29.1 to 29.4 over 117 snapshots.

Fnb Bank (#954) alerts: 3 counties; top Fnb Bank (#954) alert scores: Correctionville County, IA 15 (low); Greenfield County, IA 15 (low); Massena County, IA 15 (low).