First FSB Of Kentucky: Bank Stress & Real-Estate Credit Exposure

At 74/100, First FSB Of Kentucky's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #29937. 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.

What separates this from a plain credit rating is the geographic weighting — First FSB Of Kentucky's 74/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. The recent trend 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. DLRadar does not model First FSB Of Kentucky in isolation: the 15-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 elevated posture can be read directly against on-the-ground distress. The combination of a elevated reading and a compact footprint is what makes First FSB Of Kentucky worth watching as a supply signal. Because First FSB Of Kentucky is held under First Federal Mhc, its financials are open to scrutiny and its trend can be independently checked. At the county level, First FSB Of Kentucky finances markets like Boyle County, KY, Franklin County, KY, Garrard County, KY — the specific places where its credit posture translates into local lending capacity. Its footprint is compact and single-state: 15 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Kentucky (3 counties). No bank is too small to score the same way: First FSB Of Kentucky runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 15-ZIP profile means exactly what it would for any institution nationwide.

For buyers, lender stress is an early map of supply: when First FSB Of Kentucky pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.