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

Bank stress at First National Bank (FDIC Cert #4324) registers 90/100 on DLRadar's scale — a severe reading. 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.

At the county level, First National Bank finances markets like Hendricks County, IN, Putnam County, IN, Johnson County, IN — the specific places where its credit posture translates into local lending capacity. 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. Rather than a standalone rating, the severe score is tied to real markets — every one of the 45 ZIP codes First National Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The First National Bank score updates as fresh FDIC call reports post each quarter, so its 90/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, First National Bank is directly comparable to any lender in the country. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. DLRadar maps First National Bank into 3 counties (45 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Indiana (3 counties). Because First National Bank is held under First National Bank Corp, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First National Bank 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.