First Federal Bank Of Ks Cty: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Federal Bank Of Ks Cty (FDIC Cert #29047) at 80/100 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.

Its lending reaches counties such as Jackson County, MO, Johnson County, KS, Clay County, MO, Platte County, MO, each tied back to DLRadar's distress signals. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. First Federal Bank Of Ks Cty is held under Cosperity Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. The First Federal Bank Of Ks Cty score updates as fresh FDIC call reports post each quarter, so its 80/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First Federal Bank Of Ks Cty is directly comparable to any lender in the country. Rather than a standalone rating, the severe score is tied to real markets — every one of the 143 ZIP codes First Federal Bank Of Ks Cty lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is compact and regionally concentrated: 143 ZIP codes in 5 counties over 2 states. Its heaviest exposure sits in Missouri (3 counties), Kansas (2 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Federal Bank Of Ks Cty's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Read against its 5-county reach, a severe score sets the credit tone for every market on its map.

For buyers, lender stress is an early map of supply: when First Federal Bank Of Ks Cty pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

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.