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

DLRadar scores Security First Bank (FDIC Cert #5415) at 77/100 for bank stress — a severe 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 Security First Bank into 12 counties (145 ZIP codes) across 2 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in Nebraska (10 counties), South Dakota (2 counties). Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Rather than a standalone rating, the severe score is tied to real markets — every one of the 145 ZIP codes Security First Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Read against its 12-county reach, a severe 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 Security First 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. County by county, that footprint includes Lancaster County, NE, Pennington County, SD, Cherry County, NE, Gage County, NE, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Security First Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 145-ZIP profile means exactly what it would for any institution nationwide. Security First Bank is held under Stockmens Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Security First 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.