Franklin Bank: Bank Stress & Real-Estate Credit Exposure

At 80/100, Franklin Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #30402. 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.

The combination of a severe reading and a compact footprint is what makes Franklin Bank worth watching as a supply signal. What separates this from a plain credit rating is the geographic weighting — Franklin Bank's 80/100 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. Because Franklin Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 80/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. 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. DLRadar maps Franklin Bank into 3 counties (57 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in New Jersey (3 counties). The value is in the linkage: Franklin Bank's severe reading is mapped onto 57 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. At the county level, Franklin Bank finances markets like Gloucester County, NJ, Cape May County, NJ, Salem County, NJ — 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 Franklin 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.

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. That lets you move ahead of the market, with each number sourced from public federal filings.