Beneficial State Bank: Bank Stress & Real-Estate Credit Exposure

At 90/100, Beneficial State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #58490. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Los Angeles County, CA, King County, WA, Fresno County, CA, Alameda County, CA, among others DLRadar tracks parcel by parcel. The combination of a severe reading and a compact footprint is what makes Beneficial State Bank worth watching as a supply signal. Beneficial State Bank runs a compact, regionally concentrated real-estate lending footprint — 5 U.S. counties across 3 states, spanning 550 ZIP codes. Its heaviest exposure sits in California (3 counties), Washington (1 county), Oregon (1 county). The value is in the linkage: Beneficial State Bank's severe reading is mapped onto 550 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Beneficial State Bank is held under Beneficial State Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Because Beneficial State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 90/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Beneficial State 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 acquisition angle is simple — lending capacity is what moves deals. As Beneficial State 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.

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.