Ascendia Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Ascendia Bank (FDIC Cert #28729) at 89/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

County by county, that footprint includes Bergen County, NJ, Passaic County, NJ, Essex County, NJ, among others DLRadar tracks parcel by parcel. The combination of a severe reading and a compact footprint is what makes Ascendia Bank worth watching as a supply signal. The Ascendia Bank score updates as fresh FDIC call reports post each quarter, so its 89/100 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, Ascendia Bank is directly comparable to any lender in the country. Ascendia 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. Its footprint is compact and single-state: 126 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in New Jersey (3 counties). DLRadar does not model Ascendia Bank in isolation: the 126-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 severe posture can be read directly against on-the-ground distress. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As Ascendia 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.