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

First Fidelity Bank (FDIC Cert #1122) carries a DLRadar bank-stress score of 61/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. 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.

Its lending reaches counties such as Charles Mix County, SD, Gregory County, SD, Lyman County, SD, Tripp County, SD, each tied back to DLRadar's distress signals. DLRadar does not model First Fidelity Bank in isolation: the 41-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 7 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. What separates this from a plain credit rating is the geographic weighting — First Fidelity Bank's 61/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. The First Fidelity Bank score updates as fresh FDIC call reports post each quarter, so its 61/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Fidelity Bank is directly comparable to any lender in the country. Because First Fidelity Bank is held under Fidelity Corp, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Read against its 7-county reach, a elevated score sets the credit tone for every market on its map. Its footprint is compact and single-state: 41 ZIP codes in 7 counties over 1 states. The deepest footprints are South Dakota (7 counties).

For buyers, lender stress is an early map of supply: when First Fidelity Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.