Genesis Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Genesis Bank (FDIC Cert #59245) at 80/100 for bank stress — a severe level of financial pressure. 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.

Genesis Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 465 ZIP codes. Its heaviest exposure sits in California (3 counties). No bank is too small to score the same way: Genesis Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 465-ZIP profile means exactly what it would for any institution nationwide. 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. Genesis 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. Its lending reaches counties such as Los Angeles County, CA, Orange County, CA, Riverside County, CA, each tied back to DLRadar's distress signals. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. DLRadar does not model Genesis Bank in isolation: the 465-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 severe posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Genesis Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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. That lets you move ahead of the market, with each number sourced from public federal filings.