Firstier Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Firstier Bank (FDIC Cert #17478) at 69/100 for bank stress — a elevated level of financial pressure. 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 Weld County, CO, Douglas County, CO, Buffalo County, NE, Laramie County, WY, each tied back to DLRadar's distress signals. Because Firstier Bank is held under Firstier Bcorp, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Firstier Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 69/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 108 ZIP codes Firstier Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is compact and regionally concentrated: 108 ZIP codes in 8 counties over 3 states. The deepest footprints are Colorado (3 counties), Nebraska (3 counties), Wyoming (2 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Firstier 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. The combination of a elevated reading and a compact footprint is what makes Firstier Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Firstier Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.