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

First Exchange Bank (FDIC Cert #13020) carries a DLRadar bank-stress score of 79/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

First Exchange Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 42 ZIP codes. Its heaviest exposure sits in West Virginia (3 counties). A severe score on a footprint this size means the markets First Exchange Bank touches inherit a corresponding share of that lending pressure. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because First Exchange Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 79/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The value is in the linkage: First Exchange Bank's severe reading is mapped onto 42 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. County by county, that footprint includes Monongalia County, WV, Marion County, WV, Wetzel County, WV, among others DLRadar tracks parcel by parcel. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Exchange 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. Because First Exchange Bank is held under Heritage Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

For buyers, lender stress is an early map of supply: when First Exchange Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.