First State Bank&Trust: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First State Bank&Trust (FDIC Cert #14974) at 73/100 for bank stress — a elevated level of financial pressure. 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.

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. Because First State Bank&Trust is held under Tonganoxie Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a elevated reading and a compact footprint is what makes First State Bank&Trust worth watching as a supply signal. The First State Bank&Trust score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First State Bank&Trust is directly comparable to any lender in the country. What separates this from a plain credit rating is the geographic weighting — First State Bank&Trust's 73/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Its lending reaches counties such as Jefferson County, KS, Wyandotte County, KS, Leavenworth County, KS, Douglas County, KS, each tied back to DLRadar's distress signals. First State Bank&Trust runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 46 ZIP codes. Its heaviest exposure sits in Kansas (4 counties). The value is in the linkage: First State Bank&Trust's elevated reading is mapped onto 46 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

For buyers, lender stress is an early map of supply: when First State Bank&Trust 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.