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

DLRadar scores First State Bank (FDIC Cert #15271) at 78/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs First State 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 State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Its lending reaches counties such as Portage County, WI, Waupaca County, WI, Wood County, WI, each tied back to DLRadar's distress signals. Rather than a standalone rating, the severe score is tied to real markets — every one of the 46 ZIP codes First State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. First State Bank is held under First State Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its footprint is compact and single-state: 46 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Wisconsin (3 counties). 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. Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

The acquisition angle is simple — lending capacity is what moves deals. As First State Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.