First National Bank Texas: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First National Bank Texas (FDIC Cert #3285) at 77/100 for bank stress — a severe 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.

Because First National Bank Texas is held under First Community Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. A severe score on a footprint this size means the markets First National Bank Texas touches inherit a corresponding share of that lending pressure. At the county level, First National Bank Texas finances markets like Harris County, TX, Maricopa County, AZ, Dallas County, TX, Bexar County, TX — the specific places where its credit posture translates into local lending capacity. No bank is too small to score the same way: First National Bank Texas runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 97-county, 1,887-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the severe score is tied to real markets — every one of the 1,887 ZIP codes First National Bank Texas lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps First National Bank Texas into 97 counties (1,887 ZIP codes) across 4 states — a broad, multi-state lending base. It concentrates most in Texas (72 counties), Arkansas (10 counties), New Mexico (9 counties), Arizona (6 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs First National Bank Texas'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. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when First National Bank Texas 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.