First Fs&La Of Lakewood: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Fs&La Of Lakewood (FDIC Cert #29488) registers 86/100 on DLRadar's scale — a severe reading. 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.

DLRadar does not model First Fs&La Of Lakewood in isolation: the 154-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because First Fs&La Of Lakewood is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 86/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Fs&La Of Lakewood'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. DLRadar maps First Fs&La Of Lakewood into 5 counties (154 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Ohio (5 counties). First Fs&La Of Lakewood is held under First Mutual Holding Co, so its disclosures are public and its stress trajectory is externally verifiable. Over the trailing week its stress reading 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. Its lending reaches counties such as Cuyahoga County, OH, Franklin County, OH, Lorain County, OH, Medina County, OH, each tied back to DLRadar's distress signals. The combination of a severe reading and a compact footprint is what makes First Fs&La Of Lakewood worth watching as a supply signal.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Fs&La Of Lakewood 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. It is an early-warning read, flagging distress before it reaches the MLS.

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.