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

Franklin Savings Bank (FDIC Cert #19836) carries a DLRadar bank-stress score of 43/100, a contained reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

What separates this from a plain credit rating is the geographic weighting — Franklin Savings Bank's 43/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. 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. Because Franklin Savings Bank is held under FSB Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Hancock County, ME, Oxford County, ME, Somerset County, ME, Franklin County, ME, each tied back to DLRadar's distress signals. Its footprint is compact and single-state: 118 ZIP codes in 4 counties over 1 states. The deepest footprints are Maine (4 counties). No bank is too small to score the same way: Franklin Savings Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 118-ZIP profile means exactly what it would for any institution nationwide. Read against its 4-county reach, a contained score sets the credit tone for every market on its map. Rather than a standalone rating, the contained score is tied to real markets — every one of the 118 ZIP codes Franklin Savings Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

For buyers, lender stress is an early map of supply: when Franklin Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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