Bank Stress Radar
The U.S. counties where the banks lending into local real estate are under the most financial and credit pressure - an early signal of where distressed-property supply is most likely to rise.
Top counties by banking pressure
County-level bank-stress score (0-100). Drill into any market for its full distress profile.
and FDIC-derived scoring, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com).
| County | State | Bank-stress score | Banks under stress |
|---|---|---|---|
| Dallas | Texas | 46 (moderate) | 84 / 113 |
| Los Angeles | California | 53 (high) | 71 / 92 |
| Cook | Illinois | 47 (moderate) | 69 / 95 |
| Harris | Texas | 45 (moderate) | 64 / 86 |
| Hennepin | Minnesota | 58 (high) | 61 / 68 |
| New York | New York | 59 (high) | 58 / 83 |
| Collin | Texas | 44 (moderate) | 58 / 72 |
| Tarrant | Texas | 50 (high) | 56 / 71 |
| Orange | California | 53 (high) | 55 / 72 |
| Johnson | Kansas | 44 (moderate) | 52 / 60 |
| Miami Dade | Florida | 58 (high) | 50 / 57 |
| Travis | Texas | 44 (moderate) | 50 / 61 |
| Maricopa | Arizona | 60 (high) | 49 / 58 |
| St. Louis | Missouri | 54 (high) | 48 / 54 |
| Oklahoma | Oklahoma | 45 (moderate) | 46 / 61 |
| Palm Beach | Florida | 53 (high) | 45 / 55 |
| Queens | New York | 62 (high) | 42 / 51 |
| San Francisco | California | 59 (high) | 41 / 46 |
| Hillsborough | Florida | 45 (moderate) | 41 / 48 |
| Bexar | Texas | 49 (moderate) | 39 / 52 |
| Bergen | New Jersey | 58 (high) | 38 / 46 |
| Denver | Colorado | 57 (high) | 38 / 43 |
| Santa Clara | California | 56 (high) | 38 / 44 |
| Broward | Florida | 52 (high) | 38 / 44 |
| Dupage | Illinois | 43 (moderate) | 38 / 45 |
Bank stress by state
Drill into county-level bank-stress rankings for any U.S. state.
Looking for a specific lender? Browse the national A–Z directory of every scored bank, or each state page's complete bank list.
See the banks, not just the counties
Bank Stress Radar is the free county view. DLBankDistress adds the full FDIC bank roster, per-bank credit pressure and asset-drop alerts, and ZIP-level bank exposure - so you can see exactly which lenders are pulling back before a market turns.
What is bank stress in real estate?
What is bank stress in real estate?
Bank stress measures the financial and credit pressure on the banks that lend into a local real-estate market - based on the share of locally-present banks showing balance-sheet stress, real-estate loan concentration, and credit headwind. When the lenders behind a market tighten or fail, financing dries up and distressed inventory rises.
Why does bank stress predict distressed property?
Local lending capacity drives transactions. When the banks footprinting a county are under stress, refinances stall, construction lending pulls back, and owners who cannot refinance slide toward delinquency, foreclosure, and forced sales - often months before it shows up in listings.
How is the bank-stress score calculated?
DLRadar scores each U.S. county 0-100 from FDIC bank financials weighted by local branch footprint: banks present, banks showing stress, real-estate loan footprint, and a credit-headwind proxy. Higher means more banking pressure on that market.
Where can I see the individual banks?
The free Bank Stress Radar shows county-level scores. The full FDIC bank roster, per-bank credit pressure and asset-drop alerts, and ZIP-level bank exposure are available in DLBankDistress.