First Cmty Bk Heartland Inc: Bank Stress & Real-Estate Credit Exposure

At 74/100, First Cmty Bk Heartland Inc's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #14735. 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.

A elevated score on a footprint this size means the markets First Cmty Bk Heartland Inc touches inherit a corresponding share of that lending pressure. Because First Cmty Bk Heartland Inc is held under First Trust Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 55 ZIP codes First Cmty Bk Heartland Inc lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Cmty Bk Heartland Inc'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. No bank is too small to score the same way: First Cmty Bk Heartland Inc runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 55-ZIP profile means exactly what it would for any institution nationwide. First Cmty Bk Heartland Inc runs a compact, regionally concentrated real-estate lending footprint — 6 U.S. counties across 2 states, spanning 55 ZIP codes. The deepest footprints are Tennessee (3 counties), Kentucky (3 counties). At the county level, First Cmty Bk Heartland Inc finances markets like Graves County, KY, Obion County, TN, Weakley County, TN, Dyer County, TN — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when First Cmty Bk Heartland Inc 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.

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