Fidelity Coop Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Fidelity Coop Bank (FDIC Cert #26451) at 66/100 for bank stress — a elevated 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.

Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. Its lending reaches counties such as Worcester County, MA, Middlesex County, MA, Norfolk County, MA, each tied back to DLRadar's distress signals. 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. DLRadar does not model Fidelity Coop Bank in isolation: the 209-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. What separates this from a plain credit rating is the geographic weighting — Fidelity Coop Bank's 66/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Because Fidelity Coop Bank is held under Mutual Bcorp, its financials are open to scrutiny and its trend can be independently checked. Fidelity Coop Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 209 ZIP codes. It concentrates most in Massachusetts (3 counties). The Fidelity Coop Bank score updates as fresh FDIC call reports post each quarter, so its 66/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Fidelity Coop Bank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Fidelity Coop Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.