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.
| County | State | Stress Score | 🔒 Stressed Bank |
|---|---|---|---|
| Dallas | Texas | 46 | |
| Los Angeles | California | 53 | |
| Cook | Illinois | 47 | |
| Harris | Texas | 45 | |
| Hennepin | Minnesota | 58 | |
| New York | New York | 59 | |
| Collin | Texas | 44 | |
| Tarrant | Texas | 50 | |
| Orange | California | 53 | |
| Johnson | Kansas | 44 |
Top counties by banking pressure
County-level bank-stress score (0-100). Drill into any market for its full distress profile.
Deterministic public-record 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.
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.
Locate the opportunity. Back it. Finish it.
This is one layer of DLRadar - the operating system for real-estate acquisitions. It surfaces distressed opportunities, ranks them, connects you to capital, and organizes the work from signal to closing.
Browse everything live. Identity fields and downloads are the paid product; the rest is open for 60 minutes. One trial each, no card, nothing renews.
Other DLRadar layers worth checking
The stack runs top-down — cycle, credit, coverage, ZIP, parcel — so a signal you find here can be verified against four others.
🏠 The complete DLRadar platform →All of it connected - market read, capital, closing. Free for 60 minutes.dlradar.com