Franklin Savings Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Franklin Savings Bank (FDIC Cert #17951) at 73/100 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 footprint is compact and single-state: 113 ZIP codes in 4 counties over 1 states. Its heaviest exposure sits in New Hampshire (4 counties). Over the trailing week its stress reading 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. At the county level, Franklin Savings Bank finances markets like Grafton County, NH, Hillsborough County, NH, Merrimack County, NH, Belknap County, NH — the specific places where its credit posture translates into local lending capacity. DLRadar does not model Franklin Savings Bank in isolation: the 113-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Franklin Savings 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 Franklin Savings Bank is held under Franklin Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Because Franklin Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Franklin Savings 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. That lets you move ahead of the market, with each number sourced from public federal filings.