Fbt Bank&Mortgage: Bank Stress & Real-Estate Credit Exposure

Bank stress at Fbt Bank&Mortgage (FDIC Cert #1028) registers 73/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The combination of a elevated reading and a compact footprint is what makes Fbt Bank&Mortgage worth watching as a supply signal. The value is in the linkage: Fbt Bank&Mortgage's elevated reading is mapped onto 30 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Fbt Bank&Mortgage is held under Fbt Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its footprint is compact and single-state: 30 ZIP codes in 3 counties over 1 states. The deepest footprints are Arkansas (3 counties). County by county, that footprint includes Jefferson County, AR, Cleveland County, AR, Dallas County, AR, among others DLRadar tracks parcel by parcel. What separates this from a plain credit rating is the geographic weighting — Fbt Bank&Mortgage's 73/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Because Fbt Bank&Mortgage is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

The acquisition angle is simple — lending capacity is what moves deals. As Fbt Bank&Mortgage tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.