First Bank Elk River: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Bank Elk River (FDIC Cert #5136) at 85/100 for bank stress — a severe level of financial pressure. 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.

Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. What separates this from a plain credit rating is the geographic weighting — First Bank Elk River's 85/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar maps First Bank Elk River into 3 counties (100 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Minnesota (3 counties). Its lending reaches counties such as Hennepin County, MN, Anoka County, MN, Sherburne County, MN, each tied back to DLRadar's distress signals. First Bank Elk River is held under First Natl Finl Services Inc, so its disclosures are public and its stress trajectory is externally verifiable. Because First Bank Elk River is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 85/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. The value is in the linkage: First Bank Elk River's severe reading is mapped onto 100 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

For buyers, lender stress is an early map of supply: when First Bank Elk River pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.