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

DLRadar scores First Community Bank (FDIC Cert #5384) at 71/100 for bank stress — a elevated 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.

Its lending reaches counties such as Dodge County, NE, Cuming County, NE, Dakota County, NE, each tied back to DLRadar's distress signals. First Community Bank is held under First Beemer Corp, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model First Community Bank in isolation: the 29-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. The First Community Bank score updates as fresh FDIC call reports post each quarter, so its 71/100 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 Community Bank is directly comparable to any lender in the country. DLRadar maps First Community Bank into 3 counties (29 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Nebraska (3 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Community 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.

For buyers, lender stress is an early map of supply: when First Community 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.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.