Profile Bank: Bank Stress & Real-Estate Credit Exposure

At 89/100, Profile Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #28155. 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.

DLRadar maps Profile Bank into 3 counties (60 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are New Hampshire (3 counties). At the county level, Profile Bank finances markets like Carroll County, NH, Strafford County, NH, Belknap County, NH — the specific places where its credit posture translates into local lending capacity. The combination of a severe reading and a compact footprint is what makes Profile Bank worth watching as a supply signal. Rather than a standalone rating, the severe score is tied to real markets — every one of the 60 ZIP codes Profile Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. What separates this from a plain credit rating is the geographic weighting — Profile Bank's 89/100 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. Profile Bank is held under Profile Bcorp Mhc, so its disclosures are public and its stress trajectory is externally verifiable. Because Profile Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 89/100 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 Profile Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.