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

Bank stress at First National Bank&Trust Co (FDIC Cert #5062) registers 75/100 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.

Its footprint is compact and single-state: 45 ZIP codes in 4 counties over 1 states. The deepest footprints are Michigan (4 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. The value is in the linkage: First National Bank&Trust Co's severe reading is mapped onto 45 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. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First National Bank&Trust Co'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 First National Bank&Trust Co score updates as fresh FDIC call reports post each quarter, so its 75/100 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, First National Bank&Trust Co is directly comparable to any lender in the country. First National Bank&Trust Co is held under Fnb Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, First National Bank&Trust Co finances markets like Marquette County, MI, Menominee County, MI, Dickinson County, MI, Iron County, MI — the specific places where its credit posture translates into local lending capacity.

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

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