First Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Bank (FDIC Cert #12229) registers 83/100 on DLRadar's scale — a severe reading. 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 First Bank score updates as fresh FDIC call reports post each quarter, so its 83/100 reading and 19-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Bank is directly comparable to any lender in the country. First Bank is held under Fb Corp, so its disclosures are public and its stress trajectory is externally verifiable. First Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 19 U.S. counties across 3 states, spanning 1,133 ZIP codes. The deepest footprints are California (14 counties), Missouri (4 counties), Illinois (1 county). The value is in the linkage: First Bank's severe reading is mapped onto 1,133 ZIP codes and 19 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Read against its 19-county reach, a severe score sets the credit tone for every market on its map. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Los Angeles County, CA, San Diego County, CA, San Bernardino County, CA, Orange County, CA, among others DLRadar tracks parcel by parcel. First Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

For buyers, lender stress is an early map of supply: when First Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.