Texas Nb Of Jacksonville: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Texas Nb Of Jacksonville (FDIC Cert #26181) at 90/100 for bank stress — a severe level of financial pressure. 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.

DLRadar maps Texas Nb Of Jacksonville into 5 counties (59 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Texas (5 counties). The value is in the linkage: Texas Nb Of Jacksonville's severe reading is mapped onto 59 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A severe score on a footprint this size means the markets Texas Nb Of Jacksonville touches inherit a corresponding share of that lending pressure. Because Texas Nb Of Jacksonville is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 90/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Texas Nb Of Jacksonville's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Texas Nb Of Jacksonville is held under East Texas Financial Corp, its financials are open to scrutiny and its trend can be independently checked. At the county level, Texas Nb Of Jacksonville finances markets like Smith County, TX, Harrison County, TX, Cherokee County, TX, Gregg County, TX — the specific places where its credit posture translates into local lending capacity.

The acquisition angle is simple — lending capacity is what moves deals. As Texas Nb Of Jacksonville 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. That lets you move ahead of the market, with each number sourced from public federal filings.