First Federal Savings Bank: Bank Stress & Real-Estate Credit Exposure

At 85/100, First Federal Savings Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #29056. 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.

Its footprint is compact and regionally concentrated: 49 ZIP codes in 6 counties over 2 states. It concentrates most in Indiana (5 counties), Kentucky (1 county). Seven-day momentum reads 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. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Federal Savings Bank'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. A severe score on a footprint this size means the markets First Federal Savings Bank touches inherit a corresponding share of that lending pressure. The First Federal Savings Bank score updates as fresh FDIC call reports post each quarter, so its 85/100 reading and 6-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 Savings Bank 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 49 ZIP codes First Federal Savings Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. First Federal Savings Bank is held under First Bcorp Of Indiana Inc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, First Federal Savings Bank finances markets like Warrick County, IN, Pike County, IN, Vanderburgh County, IN, Henderson County, KY — the specific places where its credit posture translates into local lending capacity.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Federal Savings Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.