Frazer Bank: Bank Stress & Real-Estate Credit Exposure

At 79/100, Frazer Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #4031. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Frazer Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 82 ZIP codes. The deepest footprints are Oklahoma (4 counties). The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Rather than a standalone rating, the severe score is tied to real markets — every one of the 82 ZIP codes Frazer Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. What separates this from a plain credit rating is the geographic weighting — Frazer Bank's 79/100 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 Frazer Bank score updates as fresh FDIC call reports post each quarter, so its 79/100 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, Frazer Bank is directly comparable to any lender in the country. Because Frazer Bank is held under First Altus Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a severe reading and a compact footprint is what makes Frazer Bank worth watching as a supply signal. At the county level, Frazer Bank finances markets like Oklahoma County, OK, Jackson County, OK, Kiowa County, OK, Tillman County, OK — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when Frazer Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

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.