Manasquan Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Manasquan Bank (FDIC Cert #30470) registers 80/100 on DLRadar's scale — a severe reading. 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.

The combination of a severe reading and a compact footprint is what makes Manasquan Bank worth watching as a supply signal. Manasquan Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 120 ZIP codes. It concentrates most in New Jersey (3 counties). Because Manasquan Bank is held under Mb Mutual Holding Co, its financials are open to scrutiny and its trend can be independently checked. The value is in the linkage: Manasquan Bank's severe reading is mapped onto 120 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. County by county, that footprint includes Monmouth County, NJ, Middlesex County, NJ, Ocean County, NJ, among others DLRadar tracks parcel by parcel. The Manasquan Bank score updates as fresh FDIC call reports post each quarter, so its 80/100 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, Manasquan Bank is directly comparable to any lender in the country. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Manasquan Bank'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.

For buyers, lender stress is an early map of supply: when Manasquan Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. The result is an early, auditable read on supply, every figure anchored to public data.