American Sb NA: Bank Stress & Real-Estate Credit Exposure

DLRadar scores American Sb NA (FDIC Cert #32526) at 74/100 for bank stress — a elevated level of financial pressure. 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 recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. A elevated score on a footprint this size means the markets American Sb NA touches inherit a corresponding share of that lending pressure. Because American Sb NA is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar does not model American Sb NA in isolation: the 96-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. American Sb NA'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. County by county, that footprint includes Honolulu County, HI, Hawaii County, HI, Kauai County, HI, Maui County, HI, among others DLRadar tracks parcel by parcel. Its footprint is compact and single-state: 96 ZIP codes in 4 counties over 1 states. The deepest footprints are Hawaii (4 counties).

The acquisition angle is simple — lending capacity is what moves deals. As American Sb NA tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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.