First Nb Of Decatur County: Bank Stress & Real-Estate Credit Exposure

Bank stress at First Nb Of Decatur County (FDIC Cert #57694) registers 96/100 on DLRadar's scale — a severe 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.

A severe score on a footprint this size means the markets First Nb Of Decatur County touches inherit a corresponding share of that lending pressure. County by county, that footprint includes Colquitt County, GA, Walton County, FL, Decatur County, GA, Lee County, GA, among others DLRadar tracks parcel by parcel. 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. First Nb Of Decatur County'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. Its footprint is compact and regionally concentrated: 46 ZIP codes in 5 counties over 2 states. It concentrates most in Georgia (4 counties), Florida (1 county). DLRadar does not model First Nb Of Decatur County in isolation: the 46-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because First Nb Of Decatur County is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 96/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. Because First Nb Of Decatur County is held under Bainbridge Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

For buyers, lender stress is an early map of supply: when First Nb Of Decatur County pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.