Northeast Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Northeast Bank (FDIC Cert #19690) registers 35/100 on DLRadar's scale — a contained reading. 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.

DLRadar maps Northeast Bank into 4 counties (113 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Maine (4 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Northeast 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. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Northeast Bank score updates as fresh FDIC call reports post each quarter, so its 35/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Northeast Bank is directly comparable to any lender in the country. DLRadar does not model Northeast 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 contained posture can be read directly against on-the-ground distress. Read against its 4-county reach, a contained score sets the credit tone for every market on its map. Its lending reaches counties such as Cumberland County, ME, Oxford County, ME, Kennebec County, ME, Androscoggin County, ME, each tied back to DLRadar's distress signals.

For buyers, lender stress is an early map of supply: when Northeast 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.

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.