Texas Regional Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Texas Regional Bank (FDIC Cert #26906) at 87/100 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.

At the county level, Texas Regional Bank finances markets like Harris County, TX, Dallas County, TX, Bexar County, TX, Tarrant County, TX — the specific places where its credit posture translates into local lending capacity. Because Texas Regional Bank is held under Texas State Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked. The recent trend 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. DLRadar does not model Texas Regional Bank in isolation: the 589-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 16 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Texas Regional 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. The Texas Regional Bank score updates as fresh FDIC call reports post each quarter, so its 87/100 reading and 16-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Texas Regional Bank is directly comparable to any lender in the country. Read against its 16-county reach, a severe score sets the credit tone for every market on its map. Texas Regional Bank runs a mid-sized, single-state real-estate lending footprint — 16 U.S. counties across 1 state, spanning 589 ZIP codes. Its heaviest exposure sits in Texas (16 counties).

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

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.