Bac Community Bank: Bank Stress & Real-Estate Credit Exposure

Bac Community Bank (FDIC Cert #19434) carries a DLRadar bank-stress score of 75/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

County by county, that footprint includes Contra Costa County, CA, San Joaquin County, CA, Stanislaus County, CA, among others DLRadar tracks parcel by parcel. Because Bac Community Bank is held under Bac Financial Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a severe reading and a compact footprint is what makes Bac Community Bank worth watching as a supply signal. Because Bac Community Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 75/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bac Community 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. Its footprint is compact and single-state: 108 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in California (3 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 108 ZIP codes Bac Community Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As Bac Community Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.