First Interstate Bank: Bank Stress & Real-Estate Credit Exposure

At 57/100, First Interstate Bank's DLRadar bank-stress reading is moderate; the institution is filed under FDIC Cert #1105. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Interstate Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The value is in the linkage: First Interstate Bank's moderate reading is mapped onto 2,325 ZIP codes and 155 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. County by county, that footprint includes Maricopa County, AZ, King County, WA, Pima County, AZ, Spokane County, WA, among others DLRadar tracks parcel by parcel. The First Interstate Bank score updates as fresh FDIC call reports post each quarter, so its 57/100 reading and 155-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Interstate Bank is directly comparable to any lender in the country. DLRadar maps First Interstate Bank into 155 counties (2,325 ZIP codes) across 14 states — a broad, nationally dispersed lending base. Its heaviest exposure sits in Iowa (28 counties), Nebraska (25 counties), South Dakota (23 counties), Montana (17 counties). The combination of a moderate reading and a broad footprint is what makes First Interstate Bank worth watching as a supply signal. First Interstate Bank is held under First Intrst Bancsystem, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As First Interstate Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. The result is an early, auditable read on supply, every figure anchored to public data.