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

Bank stress at First Us Bank (FDIC Cert #17077) registers 77/100 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.

The combination of a severe reading and a compact footprint is what makes First Us Bank worth watching as a supply signal. Because First Us Bank is held under First Us Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. The recent trend is 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. First Us Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. DLRadar maps First Us Bank into 8 counties (174 ZIP codes) across 3 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in Alabama (6 counties), Tennessee (1 county), Virginia (1 county). No bank is too small to score the same way: First Us Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 8-county, 174-ZIP profile means exactly what it would for any institution nationwide. Its lending reaches counties such as Jefferson County, AL, Knox County, TN, Tuscaloosa County, AL, Shelby County, AL, each tied back to DLRadar's distress signals. The value is in the linkage: First Us Bank's severe reading is mapped onto 174 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

The acquisition angle is simple — lending capacity is what moves deals. As First Us 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.

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.