Bank Stress Watch
Internal early-warning page. Not published, not indexed, not linked. Watches report base rates from history, never certain predictions. The editor has not signed off these rules yet.
Updated 2026-11-11T16:24:16.863501+00:00 by vps:pnwarn1/w5_bank_stress.py.
Rule
Flag a bank when unrealized losses on its securities (available-for-sale plus held-to-maturity, at amortized cost minus fair value) exceed its total equity capital in the latest quarterly filing.
Base rates
Of 21 FDIC-insured banks that failed since 2019 and had a filing before failing, 4 had unrealized securities losses above equity capital in their last filing. In the latest quarter (20260630) 33 of 4,313 banks meet that test. Most banks meeting it do not fail; it marks interest-rate exposure, not insolvency.
Flags (33 total, newest 60)
| id | flagged at | geography | metric | period | value | baseline |
|---|---|---|---|---|---|---|
| 192 | 2026-11-09T04:37:11.021024+00:00 | FLORIDA | CITIZENS BANK&TRUST (CERT 5673) | unrealized_securities_loss_gt_equity | 20260630 | 62,286 | 60,761 |
| 191 | 2026-11-09T04:37:10.462205+00:00 | ALABAMA | COMMERCIAL BANK OF OZARK (CERT 17975) | unrealized_securities_loss_gt_equity | 20260630 | 5,799 | 5,655 |
| 190 | 2026-11-09T04:37:10.016284+00:00 | MISSOURI | COMMUNITY BK PLEASANT HILL (CERT 58423) | unrealized_securities_loss_gt_equity | 20260630 | 8,464 | 8,089 |
| 189 | 2026-11-09T04:37:09.573290+00:00 | ALABAMA | FIRST BANK OF BOAZ (CERT 2784) | unrealized_securities_loss_gt_equity | 20260630 | 30,633 | 28,959 |
| 188 | 2026-11-09T04:37:09.075772+00:00 | COLORADO | FARMERS BANK (CERT 57335) | unrealized_securities_loss_gt_equity | 20260630 | 21,486 | 19,942 |
| 187 | 2026-11-09T04:37:08.555188+00:00 | MICHIGAN | CITIZENS NB OF CHEBOYGAN (CERT 5018) | unrealized_securities_loss_gt_equity | 20260630 | 23,154 | 21,470 |
| 186 | 2026-11-09T04:37:08.083745+00:00 | OKLAHOMA | FIRST STATE BANK (CERT 12283) | unrealized_securities_loss_gt_equity | 20260630 | 9,128 | 8,406 |
| 185 | 2026-11-09T04:37:07.619255+00:00 | WYOMING | RSNB BANK (CERT 2229) | unrealized_securities_loss_gt_equity | 20260630 | 25,709 | 22,863 |
| 184 | 2026-11-09T04:37:07.119426+00:00 | OKLAHOMA | FARMERS&MERCHANTS NB FAIRVIE (CERT 4097) | unrealized_securities_loss_gt_equity | 20260630 | 8,402 | 7,308 |
| 183 | 2026-11-09T04:37:06.655312+00:00 | KANSAS | ASTRA BANK (CERT 17636) | unrealized_securities_loss_gt_equity | 20260630 | 23,866 | 20,244 |
| 182 | 2026-11-09T04:37:06.165929+00:00 | NORTH DAKOTA | BANK OF TIOGA (CERT 17280) | unrealized_securities_loss_gt_equity | 20260630 | 10,336 | 8,579 |
| 181 | 2026-11-09T04:37:05.686301+00:00 | ARIZONA | MISSION BANK (CERT 57137) | unrealized_securities_loss_gt_equity | 20260630 | 15,716 | 13,012 |
| 180 | 2026-11-09T04:37:05.241678+00:00 | ILLINOIS | FARMERS STATE BANK (CERT 12107) | unrealized_securities_loss_gt_equity | 20260630 | 3,296 | 2,615 |
| 179 | 2026-11-09T04:37:04.780313+00:00 | ALABAMA | CB&S BANK INC (CERT 15310) | unrealized_securities_loss_gt_equity | 20260630 | 240,597 | 188,270 |
| 178 | 2026-11-09T04:37:04.283291+00:00 | KANSAS | FIRST NB OF KANSAS (CERT 4794) | unrealized_securities_loss_gt_equity | 20260630 | 5,543 | 4,267 |
| 177 | 2026-11-09T04:37:03.800938+00:00 | ALABAMA | PINNACLE BANK (CERT 29548) | unrealized_securities_loss_gt_equity | 20260630 | 31,153 | 23,015 |
| 176 | 2026-11-09T04:37:03.235578+00:00 | TEXAS | FIRST NB OF ASPERMONT (CERT 3079) | unrealized_securities_loss_gt_equity | 20260630 | 7,243 | 5,332 |
| 175 | 2026-11-09T04:37:02.778909+00:00 | MICHIGAN | NORTHERN INTERSTATE BANK N A (CERT 13784) | unrealized_securities_loss_gt_equity | 20260630 | 15,607 | 11,315 |
| 174 | 2026-11-09T04:37:02.137989+00:00 | ALABAMA | CITIZENS BANK OF WINFIELD (CERT 52) | unrealized_securities_loss_gt_equity | 20260630 | 40,773 | 29,363 |
| 173 | 2026-11-09T04:37:01.675956+00:00 | ILLINOIS | DU QUOIN STATE BANK (CERT 10804) | unrealized_securities_loss_gt_equity | 20260630 | 9,580 | 6,023 |
| 172 | 2026-11-09T04:37:01.174296+00:00 | MISSOURI | COMMUNITY BANK OF RAYMORE (CERT 22867) | unrealized_securities_loss_gt_equity | 20260630 | 22,523 | 13,866 |
| 171 | 2026-11-09T04:37:00.717677+00:00 | TEXAS | ANAHUAC NATIONAL BANK (CERT 22381) | unrealized_securities_loss_gt_equity | 20260630 | 17,082 | 10,499 |
| 170 | 2026-11-09T04:37:00.288196+00:00 | MINNESOTA | FIRST STATE BANK OF RED WING (CERT 8191) | unrealized_securities_loss_gt_equity | 20260630 | 5,443 | 3,094 |
| 169 | 2026-11-09T04:36:59.785769+00:00 | OKLAHOMA | COMMUNITY STATE BANK (CERT 27201) | unrealized_securities_loss_gt_equity | 20260630 | 13,756 | 6,785 |
| 168 | 2026-11-09T04:36:59.349466+00:00 | GEORGIA | BANK OF LAFAYETTE GEORGIA (CERT 9245) | unrealized_securities_loss_gt_equity | 20260630 | 36,873 | 18,134 |
| 167 | 2026-11-09T04:36:58.900044+00:00 | ALABAMA | FIRST FINANCIAL BANK (CERT 19440) | unrealized_securities_loss_gt_equity | 20260630 | 19,207 | 8,133 |
| 166 | 2026-11-09T04:36:58.389952+00:00 | KENTUCKY | BANK OF CADIZ&TRUST CO (CERT 20239) | unrealized_securities_loss_gt_equity | 20260630 | 9,855 | 4,014 |
| 165 | 2026-11-09T04:36:57.941882+00:00 | TEXAS | FIRST NB OF LAKE JACKSON (CERT 18895) | unrealized_securities_loss_gt_equity | 20260630 | 19,766 | 6,436 |
| 164 | 2026-11-09T04:36:57.518090+00:00 | OHIO | UNION BANKING CO (CERT 15326) | unrealized_securities_loss_gt_equity | 20260630 | 5,121 | 1,300 |
| 163 | 2026-11-09T04:36:57.064783+00:00 | ALABAMA | PHENIX-GIRARD BANK (CERT 41) | unrealized_securities_loss_gt_equity | 20260630 | 38,166 | 8,960 |
| 162 | 2026-11-09T04:36:56.617791+00:00 | GEORGIA | FIRST STB OF RANDOLPH COUNTY (CERT 2157) | unrealized_securities_loss_gt_equity | 20260630 | 6,574 | 1,212 |
| 161 | 2026-11-09T04:36:56.175849+00:00 | TEXAS | TRUSTTEXAS BANK SSB (CERT 28515) | unrealized_securities_loss_gt_equity | 20260630 | 34,978 | 5,836 |
| 160 | 2026-11-09T04:36:55.741033+00:00 | PENNSYLVANIA | MAUCH CHUNK TRUST CO (CERT 2359) | unrealized_securities_loss_gt_equity | 20260630 | 46,828 | 6,882 |
Current state
as of quarter
20260630
banks
4,313
flagged
33
flag ids written
33
htm only flagged
2
states top
| state | banks | flagged | htm flagged | assets flagged k |
|---|---|---|---|---|
| ALABAMA | 93 | 7 | 0 | 4,700,584 |
| TEXAS | 352 | 4 | 0 | 1,012,159 |
| OKLAHOMA | 171 | 3 | 1 | 347,966 |
| GEORGIA | 125 | 2 | 0 | 533,637 |
| ILLINOIS | 328 | 2 | 0 | 215,149 |
| MICHIGAN | 74 | 2 | 0 | 664,468 |
| MISSOURI | 195 | 2 | 0 | 480,341 |
| KANSAS | 185 | 2 | 0 | 528,881 |
| FLORIDA | 85 | 1 | 0 | 1,480,129 |
| KENTUCKY | 120 | 1 | 0 | 142,913 |
| OHIO | 160 | 1 | 0 | 54,524 |
| PENNSYLVANIA | 113 | 1 | 0 | 642,783 |
| WYOMING | 24 | 1 | 0 | 380,994 |
| MINNESOTA | 225 | 1 | 0 | 86,349 |
| COLORADO | 63 | 1 | 0 | 297,306 |
failures since 2019
21
recent failures
| COST | QBFASSET | CITY | PSTALP | FAILDATE | CERT | NAME | ID |
|---|---|---|---|---|---|---|---|
| 5,671 | 72,947 | LENEXA | KS | 7/17/2026 | 25,744 | SMALL BUSINESS BANK | 4117 |
| 1,194 | 3,808 | KENTLAND | IN | 7/10/2026 | 28,722 | KENTLAND FS&LA | 4116 |
| 97,284 | 305,716 | LAGRANGE | GA | 5/1/2026 | 25,796 | COMMUNITY BANK AND TRUST - WEST GEORGIA | 4115 |
| 19,647 | 261,185 | CHICAGO | IL | 1/30/2026 | 57,488 | METROPOLITAN CAPITAL B&T | 4114 |
| 9,761.4 | 76,938 | SANTA ANNA | TX | 6/27/2025 | 5,520 | SANTA ANNA NATIONAL BANK | 4113 |
| 31,852.29 | 49,466 | CHICAGO | IL | 1/17/2025 | 28,611 | PULASKI SAVINGS BANK | 4112 |
| 45,087.22 | 107,850 | LINDSAY | OK | 10/18/2024 | 4,134 | FIRST NB OF LINDSAY | 4111 |
| 709,569.11 | 5,866,190 | PHILADELPHIA | PA | 4/26/2024 | 27,332 | REPUBLIC BANK | 4110 |
| 12,464.63 | 60,448 | SAC CITY | IA | 11/3/2023 | 8,758 | CITIZENS BANK | 4109 |
| 42,666.37 | 139,446 | ELKHART | KS | 7/28/2023 | 25,851 | HEARTLAND TRI-STATE BANK | 4108 |
fields
UL = max(SCAA-SCAF,0) + max(SCHA-SCHF,0) vs EQ; $ thousands. SCAF/SCHA meanings read from field titles only (NOT VERIFIED beyond title).
Sources
- FDIC BankFind financials (
https://api.fdic.gov/banks/financials) · source_catalog #358 - FDIC BankFind failures (
https://api.fdic.gov/banks/failures) · source_catalog #357