First Bank (FDIC #9620): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #9620): bank stress 63/100, elevated, STABLE over 7 days; parent PIONEER BANKCORP INC.

First Bank (#9620) lends in 5 counties across 1 state; First Bank (#9620) reaches 117 ZIP codes: Florida 5 counties, 117 ZIPs.

First Bank (#9620) largest markets: Palm Beach County, FL (53 branches, 53 ZIPs) (#9620), Lee County, FL (38 branches, 38 ZIPs) (#9620), Collier County, FL (24 branches, 24 ZIPs) (#9620), Hendry County, FL (18 branches, 6 ZIPs) (#9620), Glades County, FL (5 branches, 5 ZIPs) (#9620).

First Bank (#9620) reports $810.5 million in total assets; First Bank (#9620) equity $77.5 million (9.6% of First Bank (#9620) assets); First Bank (#9620) domestic deposits $727.3 million; First Bank (#9620) net income $6.0 million; First Bank (#9620) return on assets 1.48%; First Bank (#9620) return on equity 15.69%; First Bank (#9620) net interest income $16.5 million; First Bank (#9620) call report June 30, 2026.

First Bank (#9620) noncurrent real-estate loans: none reported; First Bank (#9620) net charge-offs on real estate 0.28%.

First Bank (#9620) net interest margin 4.33% against an eight-quarter First Bank (#9620) average of 4.05% (First Bank (#9620) compression -0.28 points); First Bank (#9620) rate-exposure score 40/100, First Bank (#9620) fixed-rate trap 40/100; First Bank (#9620) risk type credit driven; First Bank (#9620) rate regime rates elevated, First Bank (#9620) snapshot October 19, 2026.

First Bank (#9620) stress score moved from 63.1 on June 22, 2026 to 62.5 on October 20, 2026; First Bank (#9620) ranged 62.5 to 63.1 over 117 snapshots.

First Bank (#9620) alerts: 5 counties; top First Bank (#9620) alert scores: Belle Glade County, FL 21 (low); Fort Myers County, FL 21 (low); Immokalee County, FL 21 (low); Labelle County, FL 21 (low); Moore Haven County, FL 21 (low).