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.
| County | State | Bank-stress score | Banks under stress |
|---|---|---|---|
| Wilmer | Washington | 46 (moderate) | 84 / 113 |
| Woodland Hills | Washington | 53 (high) | 71 / 92 |
| Worth | Wisconsin | 47 (moderate) | 69 / 95 |
| Webster | Virginia | 45 (moderate) | 64 / 86 |
| Wayzata | Wisconsin | 58 (high) | 61 / 68 |
| New York | Virginia | 59 (high) | 58 / 83 |
| Wylie | Washington | 44 (moderate) | 58 / 72 |
| Southlake | Utah | 50 (high) | 56 / 71 |
| Yorba Linda | Washington | 53 (high) | 55 / 72 |
| Spring Hill | Wisconsin | 44 (moderate) | 52 / 60 |
| Opa Locka | Virginia | 58 (high) | 50 / 57 |
| Spicewood | Washington | 44 (moderate) | 50 / 61 |
| Wickenburg | Washington | 60 (high) | 49 / 58 |
| Wildwood | Wisconsin | 54 (high) | 48 / 54 |
| Oklahoma City | Texas | 45 (moderate) | 46 / 61 |
| West Palm Beach | Virginia | 53 (high) | 45 / 55 |
| Woodside | Virginia | 62 (high) | 42 / 51 |
| San Francisco | Virginia | 59 (high) | 41 / 46 |
| Valrico | Texas | 45 (moderate) | 41 / 48 |
| Universal City | Utah | 49 (moderate) | 39 / 52 |
| Wyckoff | Virginia | 58 (high) | 38 / 46 |
| Littleton | Utah | 57 (high) | 38 / 43 |
| Sunnyvale | Washington | 56 (high) | 38 / 44 |
| Pompano Beach | Texas | 52 (high) | 38 / 44 |
| Woodridge | Wisconsin | 43 (moderate) | 38 / 45 |
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.