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

At 85/100, First State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #15663. 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.

DLRadar maps First State Bank into 7 counties (52 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Mississippi (7 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Jones County, MS, Lauderdale County, MS, Madison County, MS, Clarke County, MS, among others DLRadar tracks parcel by parcel. Because First State Bank is held under First State Corp, its financials are open to scrutiny and its trend can be independently checked. What separates this from a plain credit rating is the geographic weighting — First State Bank's 85/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. The value is in the linkage: First State Bank's severe reading is mapped onto 52 ZIP codes and 7 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A severe score on a footprint this size means the markets First State Bank touches inherit a corresponding share of that lending pressure. The First State Bank score updates as fresh FDIC call reports post each quarter, so its 85/100 reading and 7-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 is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First State 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.