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

Bank stress at First Fs&La Of Lorain (FDIC Cert #29838) registers 91/100 on DLRadar's scale — a severe reading. 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.

At the county level, First Fs&La Of Lorain finances markets like Lorain County, OH, Ottawa County, OH, Erie County, OH — the specific places where its credit posture translates into local lending capacity. The First Fs&La Of Lorain score updates as fresh FDIC call reports post each quarter, so its 91/100 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, First Fs&La Of Lorain is directly comparable to any lender in the country. The combination of a severe reading and a compact footprint is what makes First Fs&La Of Lorain worth watching as a supply signal. The value is in the linkage: First Fs&La Of Lorain's severe reading is mapped onto 55 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. First Fs&La Of Lorain'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. DLRadar maps First Fs&La Of Lorain into 3 counties (55 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Ohio (3 counties). 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.

The acquisition angle is simple — lending capacity is what moves deals. As First Fs&La Of Lorain tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.