First Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Bank (FDIC Cert #14885) registers 73/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Seven-day momentum reads 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. The combination of a elevated reading and a compact footprint is what makes First Bank worth watching as a supply signal. DLRadar maps First Bank into 6 counties (17 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Alaska (6 counties). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 17 ZIP codes First Bank 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 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 First Bank score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 6-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. Its lending reaches counties such as Prince Of Wales-Hyder County, AK, Juneau County, AK, Wrangell County, AK, Ketchikan Gateway County, AK, each tied back to DLRadar's distress signals. First Bank is held under First Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.