Oregon Coast Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Oregon Coast Bank (FDIC Cert #57373) registers 71/100 on DLRadar's scale — a elevated reading. 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.

Seven-day momentum reads 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. Because Oregon Coast Bank is held under Oregon Coast Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. The Oregon Coast 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, Oregon Coast Bank is directly comparable to any lender in the country. DLRadar does not model Oregon Coast Bank in isolation: the 43-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. County by county, that footprint includes Lincoln County, OR, Tillamook County, OR, Coos County, OR, among others DLRadar tracks parcel by parcel. Its footprint is compact and single-state: 43 ZIP codes in 3 counties over 1 states. The deepest footprints are Oregon (3 counties). Oregon Coast Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The combination of a elevated reading and a compact footprint is what makes Oregon Coast Bank worth watching as a supply signal.

The acquisition angle is simple — lending capacity is what moves deals. As Oregon Coast Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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. That lets you move ahead of the market, with each number sourced from public federal filings.