Apple Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Apple Bank (FDIC Cert #16068) registers 89/100 on DLRadar's scale — a severe 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.

Its lending reaches counties such as Suffolk County, NY, Westchester County, NY, New York County, NY, Nassau County, NY, each tied back to DLRadar's distress signals. Because Apple Bank is held under Apple Financial Holdings Inc, its financials are open to scrutiny and its trend can be independently checked. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. What separates this from a plain credit rating is the geographic weighting — Apple Bank's 89/100 reading reflects not just its balance sheet but the 12 counties it lends into, so the score doubles as a map of where its stress will land first. Because Apple Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 89/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. Apple Bank runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 2 states, spanning 631 ZIP codes. Its heaviest exposure sits in New York (9 counties), New Jersey (3 counties). The value is in the linkage: Apple Bank's severe reading is mapped onto 631 ZIP codes and 12 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 Apple Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when Apple Bank 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.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.