Local Bank (FDIC #9614): Bank Stress & Real-Estate Credit Exposure

Local Bank (FDIC Cert #9614): bank stress 71/100, elevated, STABLE over 7 days; parent LOCAL BCORP INC.

Local Bank (#9614) lends in 3 counties across 1 state; Local Bank (#9614) reaches 66 ZIP codes: Alabama 3 counties, 66 ZIPs.

Local Bank (#9614) largest markets: Tuscaloosa County, AL (28 branches, 28 ZIPs) (#9614), Madison County, AL (25 branches, 25 ZIPs) (#9614), Covington County, AL (13 branches, 13 ZIPs) (#9614).

Local Bank (#9614) reports $111.3 million in total assets; Local Bank (#9614) equity $17.1 million (15.3% of Local Bank (#9614) assets); Local Bank (#9614) domestic deposits $87.5 million; Local Bank (#9614) net income minus $802,000; Local Bank (#9614) return on assets -1.47%; Local Bank (#9614) return on equity -9.21%; Local Bank (#9614) net interest income $1.9 million; Local Bank (#9614) call report June 30, 2026.

Local Bank (#9614) noncurrent real-estate loans 0.09% of its book; Local Bank (#9614) residential 0.39%; Local Bank (#9614) net charge-offs on real estate 1.13%.

Local Bank (#9614) net interest margin 3.68% against an eight-quarter Local Bank (#9614) average of 4.02% (Local Bank (#9614) compression 0.35 points); Local Bank (#9614) real-estate loans 8.9% of equity; Local Bank (#9614) rate-exposure score 40/100, Local Bank (#9614) fixed-rate trap 40/100; Local Bank (#9614) risk type credit driven; Local Bank (#9614) rate regime rates elevated, Local Bank (#9614) snapshot October 19, 2026.

Local Bank (#9614) stress score moved from 65.9 on June 22, 2026 to 70.5 on October 19, 2026; Local Bank (#9614) ranged 65.9 to 70.5 over 116 snapshots.

Local Bank (#9614) alerts: 3 counties; top Local Bank (#9614) alert scores: Tuscaloosa County, AL 43 (moderate); Huntsville County, AL 25 (low); Red Level County, AL 25 (low).