Brookline Bancorp, Inc.: Bank Stress & Real-Estate Credit Exposure

At 0/100, Brookline Bancorp, Inc.'s DLRadar bank-stress reading is contained; the institution is filed under FDIC Cert #34147. 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.

Brookline Bancorp, Inc. runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 78 ZIP codes. Its heaviest exposure sits in Rhode Island (4 counties). What separates this from a plain credit rating is the geographic weighting — Brookline Bancorp, Inc.'s 0/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. The Brookline Bancorp, Inc. score updates as fresh FDIC call reports post each quarter, so its 0/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Brookline Bancorp, Inc. is directly comparable to any lender in the country. The value is in the linkage: Brookline Bancorp, Inc.'s contained reading is mapped onto 78 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A contained score on a footprint this size means the markets Brookline Bancorp, Inc. touches inherit a corresponding share of that lending pressure. County by county, that footprint includes Providence County, RI, Washington County, RI, Kent County, RI, Newport County, RI, among others DLRadar tracks parcel by parcel.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Brookline Bancorp, Inc. 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. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.