Unibank: Bank Stress & Real-Estate Credit Exposure

Unibank (FDIC Cert #58407) carries a DLRadar bank-stress score of 99/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

The combination of a severe reading and a compact footprint is what makes Unibank worth watching as a supply signal. Because Unibank is held under U&I Financial Corp, its financials are open to scrutiny and its trend can be independently checked. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Unibank'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. The value is in the linkage: Unibank's severe reading is mapped onto 172 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Unibank score updates as fresh FDIC call reports post each quarter, so its 99/100 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, Unibank is directly comparable to any lender in the country. Its lending reaches counties such as King County, WA, Pierce County, WA, Snohomish County, WA, each tied back to DLRadar's distress signals. DLRadar maps Unibank into 3 counties (172 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Washington (3 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Unibank 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.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.