1st Security Bank Of Wa: Bank Stress & Real-Estate Credit Exposure

At 64/100, 1st Security Bank Of Wa's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #57633. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar maps 1st Security Bank Of Wa into 12 counties (309 ZIP codes) across 2 states — a compact, regionally concentrated lending base. The deepest footprints are Washington (9 counties), Oregon (3 counties). No bank is too small to score the same way: 1st Security Bank Of Wa runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 309-ZIP profile means exactly what it would for any institution nationwide. A elevated score on a footprint this size means the markets 1st Security Bank Of Wa touches inherit a corresponding share of that lending pressure. At the county level, 1st Security Bank Of Wa finances markets like King County, WA, Pierce County, WA, Snohomish County, WA, Kitsap County, WA — the specific places where its credit posture translates into local lending capacity. What separates this from a plain credit rating is the geographic weighting — 1st Security Bank Of Wa's 64/100 reading reflects not just its balance sheet but the 12 counties it lends into, so the score doubles as a map of where its stress will land first. 1st Security Bank Of Wa is held under Fs Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. 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. DLRadar does not model 1st Security Bank Of Wa in isolation: the 309-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when 1st Security Bank Of Wa 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. The result is an early, auditable read on supply, every figure anchored to public data.