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

DLRadar scores First National Bank (FDIC Cert #4256) at 72/100 for bank stress — a elevated level of financial pressure. 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.

DLRadar maps First National Bank into 6 counties (181 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Maine (6 counties). Read against its 6-county reach, a elevated score sets the credit tone for every market on its map. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First National Bank'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. At the county level, First National Bank finances markets like Penobscot County, ME, Hancock County, ME, Washington County, ME, Lincoln County, ME — the specific places where its credit posture translates into local lending capacity. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. First National Bank is held under First Bcorp Inc The, so its disclosures are public and its stress trajectory is externally verifiable. Because First National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar does not model First National Bank in isolation: the 181-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when First National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. The result is an early, auditable read on supply, every figure anchored to public data.