Dollar Bank FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at Dollar Bank FSB (FDIC Cert #32245) registers 77/100 on DLRadar's scale — a severe reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps Dollar Bank FSB into 14 counties (502 ZIP codes) across 4 states — a compact, multi-state lending base. The deepest footprints are Pennsylvania (5 counties), Ohio (5 counties), Virginia (3 counties), Maryland (1 county). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Dollar Bank FSB's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. A severe score on a footprint this size means the markets Dollar Bank FSB touches inherit a corresponding share of that lending pressure. At the county level, Dollar Bank FSB finances markets like Allegheny County, PA, Westmoreland County, PA, Washington County, PA, Cuyahoga County, OH — the specific places where its credit posture translates into local lending capacity. Dollar Bank FSB is held under Dollar Mutual Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. No bank is too small to score the same way: Dollar Bank FSB runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 14-county, 502-ZIP profile means exactly what it would for any institution nationwide. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar does not model Dollar Bank FSB in isolation: the 502-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 14 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

The acquisition angle is simple — lending capacity is what moves deals. As Dollar Bank FSB tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.