Third Fs&La Of Cleveland: Bank Stress & Real-Estate Credit Exposure

Third Fs&La Of Cleveland (FDIC Cert #30012) carries a DLRadar bank-stress score of 79/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its footprint is compact and regionally concentrated: 467 ZIP codes in 13 counties over 2 states. The deepest footprints are Florida (8 counties), Ohio (5 counties). Third Fs&La Of Cleveland is held under Third Fs&La Of Cleveland Mhc, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Third Fs&La Of Cleveland worth watching as a supply signal. No bank is too small to score the same way: Third Fs&La Of Cleveland runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 13-county, 467-ZIP profile means exactly what it would for any institution nationwide. 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. At the county level, Third Fs&La Of Cleveland finances markets like Hillsborough County, FL, Broward County, FL, Palm Beach County, FL, Cuyahoga County, OH — the specific places where its credit posture translates into local lending capacity. What separates this from a plain credit rating is the geographic weighting — Third Fs&La Of Cleveland's 79/100 reading reflects not just its balance sheet but the 13 counties it lends into, so the score doubles as a map of where its stress will land first. Rather than a standalone rating, the severe score is tied to real markets — every one of the 467 ZIP codes Third Fs&La Of Cleveland lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

For buyers, lender stress is an early map of supply: when Third Fs&La Of Cleveland 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. The result is an early, auditable read on supply, every figure anchored to public data.