First Security Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

At 78/100, First Security Bank&Trust Co's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #1852. 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.

Because First Security Bank&Trust Co is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The value is in the linkage: First Security Bank&Trust Co's severe reading is mapped onto 72 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. Because First Security Bank&Trust Co is held under Cedar Valley Bankshares Ltd, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Its footprint is compact and single-state: 72 ZIP codes in 7 counties over 1 states. It concentrates most in Iowa (7 counties). Read against its 7-county reach, a severe score sets the credit tone for every market on its map. Its lending reaches counties such as Franklin County, IA, Butler County, IA, Cerro Gordo County, IA, Floyd County, IA, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — First Security Bank&Trust Co's 78/100 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 acquisition angle is simple — lending capacity is what moves deals. As First Security Bank&Trust Co 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.