Needham Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Needham Bank (FDIC Cert #26483) at 67/100 for bank stress — a elevated level of financial pressure. 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.

Needham Bank'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. At the county level, Needham Bank finances markets like Middlesex County, MA, Norfolk County, MA, Suffolk County, MA — the specific places where its credit posture translates into local lending capacity. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. Because Needham Bank is held under Nb Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Needham Bank in isolation: the 157-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. Needham Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 157 ZIP codes. The deepest footprints are Massachusetts (3 counties). Because Needham Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 67/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

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