Saturday Community Bank Digest

Date: Saturday, October 31, 2026 (America/New_York)

Selection basis: The 10 largest institutions by the FDIC ASSET field, descending, on one FDIC Institutions API extract of active institutions with ASSET at or under 1,000,000. This is an API sort, not an FDIC published national ranking.

Pull (HTTP 200, response date Sat, 31 Oct 2026 12:06:48 GMT, which is 8:06 AM ET):

https://api.fdic.gov/banks/institutions?filters=ACTIVE%3A1%20AND%20ASSET%3A%5B*%20TO%201000000%5D&fields=NAME%2CCERT%2CASSET%2CSTALP%2CREPDTE%2CCITY%2CCHARTER%2CBKCLASS%2CSTNAME&sort_by=ASSET&sort_order=DESC&limit=15&format=json

Index: institutions_20261030090007. createTimestamp: 2026-10-30T11:58:49Z (Friday, October 30, 2026, 7:58 AM ET). meta.total: 3164. Rows 11 to 15 are not listed below (next ASSET values: 989832, 988867, 986876, 984523, 983644).

Unit: unchanged. Dollar figures are the API integer times 1,000, under the FFIEC 031/041 rule that banks under $10 billion report in thousands.

REPDTE printed 06/30/2026 on all ten rows. CHARTER is the OCC charter number; a printed 0 is not a state charter number. State charter number: NOT POSTED for every slot.

Call-report cross-check: The Financials API index is unchanged (risview_20260819185831), and all ten certs, ASSET integers and REPDTE values match the Oct 24 pull exactly. The Oct 24 per-cert Financials match therefore still holds. DEP values carried from that Oct 24 Financials pull.

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1. Vision Bank

• City and state: Ada, Oklahoma (STALP OK)
• Total assets: ASSET 999611, in thousands, equals $999,611,000
• Call-report match: Financials ASSET 999611 for 20260630: MATCH
• Total deposits: DEP 835979 equals $835,979,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 4029. OCC charter: 0 as printed. Class: SM (state charter, Fed member)
• Rank vs the Oct 24 pull: same slot (1); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A4029%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

2. Farmers & Merchants Bank

• City and state: Granite Quarry, North Carolina (STALP NC)
• Total assets: ASSET 998750, in thousands, equals $998,750,000
• Call-report match: Financials ASSET 998750 for 20260630: MATCH
• Total deposits: DEP 842551 equals $842,551,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 2036. OCC charter: 0 as printed. Class: NM (state charter, Fed non-member, FDIC)
• Rank vs the Oct 24 pull: same slot (2); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A2036%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

3. HCN Bank

• City and state: Riverside, California (STALP CA)
• Total assets: ASSET 998433, in thousands, equals $998,433,000
• Call-report match: Financials ASSET 998433 for 20260630: MATCH
• Total deposits: DEP 846287 equals $846,287,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 21606. OCC charter: 0 as printed. Class: NM (state charter, Fed non-member, FDIC)
• Rank vs the Oct 24 pull: same slot (3); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A21606%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

4. The Bank of Old Monroe

• City and state: Old Monroe, Missouri (STALP MO)
• Total assets: ASSET 994586, in thousands, equals $994,586,000
• Call-report match: Financials ASSET 994586 for 20260630: MATCH
• Total deposits: DEP 916641 equals $916,641,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 1655. OCC charter: 0 as printed. Class: NM (state charter, Fed non-member, FDIC)
• Rank vs the Oct 24 pull: same slot (4); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A1655%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

5. First Federal Community Bank, National Association

• City and state: Dover, Ohio (STALP OH)
• Total assets: ASSET 994585, in thousands, equals $994,585,000
• Call-report match: Financials ASSET 994585 for 20260630: MATCH
• Total deposits: DEP 897198 equals $897,198,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 29787. OCC charter: 25025 as printed. Class: N (national charter, OCC)
• Rank vs the Oct 24 pull: same slot (5); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A29787%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

6. Peoples State Bank

• City and state: Prairie Du Chien, Wisconsin (STALP WI)
• Total assets: ASSET 992960, in thousands, equals $992,960,000
• Call-report match: Financials ASSET 992960 for 20260630: MATCH
• Total deposits: DEP 810756 equals $810,756,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 12814. OCC charter: 0 as printed. Class: NM (state charter, Fed non-member, FDIC)
• Rank vs the Oct 24 pull: same slot (6); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A12814%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

7. Ciera Bank

• City and state: Graham, Texas (STALP TX)
• Total assets: ASSET 992919, in thousands, equals $992,919,000
• Call-report match: Financials ASSET 992919 for 20260630: MATCH
• Total deposits: DEP 868790 equals $868,790,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 3226. OCC charter: 0 as printed. Class: SM (state charter, Fed member)
• Rank vs the Oct 24 pull: same slot (7); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A3226%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

8. First Federal Bank of Kansas City

• City and state: Lees Summit, Missouri (STALP MO)
• Total assets: ASSET 992550, in thousands, equals $992,550,000
• Call-report match: Financials ASSET 992550 for 20260630: MATCH
• Total deposits: DEP 693823 equals $693,823,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 29047. OCC charter: 0 as printed. Class: SI (state-chartered stock savings bank, FDIC)
• Rank vs the Oct 24 pull: same slot (8); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A29047%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

9. Tennessee State Bank

• City and state: Pigeon Forge, Tennessee (STALP TN)
• Total assets: ASSET 990829, in thousands, equals $990,829,000
• Call-report match: Financials ASSET 990829 for 20260630: MATCH
• Total deposits: DEP 885034 equals $885,034,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 20720. OCC charter: 0 as printed. Class: SM (state charter, Fed member)
• Rank vs the Oct 24 pull: same slot (9); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A20720%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

10. HomeTown Bank, National Association

• City and state: Galveston, Texas (STALP TX)
• Total assets: ASSET 990420, in thousands, equals $990,420,000
• Call-report match: Financials ASSET 990420 for 20260630: MATCH
• Total deposits: DEP 891114 equals $891,114,000
• As of: REPDTE 06/30/2026; index created 2026-10-30 7:58 AM ET; pulled 8:06 AM ET Oct 31, 2026
• FDIC cert: 19603. OCC charter: 15593 as printed. Class: N (national charter, OCC)
• Rank vs the Oct 24 pull: same slot (10); ASSET unchanged
• Financials URL: https://api.fdic.gov/banks/financials?filters=CERT%3A19603%20AND%20REPDTE%3A20260630&fields=CERT%2CREPDTE%2CASSET%2CDEP&limit=1&format=json
• Bank’s own release this week: Missing (not searched to a primary)

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• Index refreshed: institutions_20261023090007 (created Oct 23, 7:54 AM ET) to institutions_20261030090007 (created Oct 30, 7:58 AM ET).
• Cohort count: active institutions with ASSET at or under 1,000,000 fell from 3,168 to 3,164 (down 4). Active institutions of any size: 4,217 to 4,213 (down 4).
• Top 10: no change. Same ten banks, same order, same ASSET integers, same REPDTE 06/30/2026.
• Rows 11 to 15: no change (989832, 988867, 986876, 984523, 983644).
• New quarter: NOT POSTED. Financials API returned 0 rows for REPDTE:20260930. Latest Financials index is still risview_20260819185831 (Aug 19). Q3 2026 call reports are not in the API yet.
• Top 10 structure events: FDIC History API, the ten certificates, PROCDATE from 2026-10-01: 0 events (index history_20261030090007).
• Failures: No bank failures appear on the FDIC Failed Bank List with a closing date after September 25, 2026, as checked October 31, 2026. The most recent listed failure is Nano Banc in Irvine, California (FDIC cert 58590), closed September 25, 2026, with Sunwest Bank as acquirer. Source: fdic.gov/bank-failures/failed-bank-list (live page and its download CSV).
  • Method: The FDIC Failures API index is still the one created August 25, 2026, so the live Failed Bank List is the source for this item.
• Bank exits in FDIC History, PROCDATE Oct 23 to Oct 29 (each now ACTIVE 0 on the Institutions API):
  • Riverside Bank of Dublin, Dublin OH, cert 59199. Merger without assistance into NexTier Bank, National Association (cert 7900), effective 08/31/2026. Last ASSET 269026 (06/30/2026).
  • Connect Community Bank, Raymond WA, cert 28266. Merger without assistance into Oregon Coast Bank (cert 57373), effective 10/01/2026. Last ASSET 72656 (06/30/2026).
  • The First National Bank in Marlow, Marlow OK, cert 26260. Merger without assistance into Sovereign Bank (cert 25738), effective 10/01/2026. Last ASSET 71783 (06/30/2026).
  • First Seacoast Bank, Dover NH, cert 29744. Merger without assistance into Cambridge Savings Bank (cert 17870), effective 10/01/2026. Last ASSET 576306 (06/30/2026).
  • All four were under $1 billion and well below row 15. No effect on the top 10.
  • Count note: FDIC History lists four bank exits processed October 23 to 29, and the cohort fell by four. The FDIC data pulled does not prove these are the only moves in or out of the cohort. Treat the match as consistent, not reconciled.
  • Also in History, not banks: Hiway Credit Union merged into Blaze Credit Union (MN, effective 01/01/2024, processed 10/26/2026). Credit unions are not in the Institutions cohort. Not a digest item.
• Name changes seen (no cohort effect): Southern Bancorp Bank (Arkadelphia AR, cert 1528) is now Uplift Bank, effective 09/23/2026. Lineage Bank (Franklin TN, cert 6100) is now Harpeth Bank & Trust, effective 09/15/2026. Per the FDIC data pulled Oct 31, ASSET for Uplift Bank is $3,012,822,000 (above $1B) and for Harpeth Bank & Trust is $197,745,000.
• Carryover: the cohort gap from the Oct 24 pull (four exits vs net drop of 3, Oct 9 to Oct 23) is still Missing.

Missing

• A published FDIC national top 10 list for banks at or under $1 billion: NOT POSTED. This order is the API sort only and is not the FDIC “community bank” definition.
• State charter numbers for all 10: NOT POSTED.
• A positive OCC charter number where CHARTER printed 0 (slots 1 to 4 and 6 to 9).
• Net income: not printed until the quarterly vs year-to-date basis of NETINC is sourced.
• Each bank’s own press release or investor page this week: Missing for all 10.
• Q3 2026 (09/30/2026) call-report data: NOT POSTED in the API as of this pull.
• Cohort reconciliation, Oct 9 to Oct 23 (four exits vs net drop of 3): still Missing.
• Proof that the four Oct 23 to 29 exits are the only cohort moves this week: Missing.
• Call-report PDF facsimiles, holding-company totals, earnings tables: NOT POSTED.