Jpmorgan Chase Bank NA: Bank Stress & Real-Estate Credit Exposure

At 65/100, Jpmorgan Chase Bank NA's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #628. 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 Jpmorgan Chase Bank NA into 606 counties (14,661 ZIP codes) across 48 states — a sprawling, nationally dispersed lending base. Its heaviest exposure sits in Ohio (46 counties), California (45 counties), Texas (44 counties), Florida (31 counties). The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Jpmorgan Chase Bank NA finances markets like Los Angeles County, CA, Cook County, IL, Harris County, TX, Maricopa County, AZ — the specific places where its credit posture translates into local lending capacity. Read against its 606-county reach, a elevated score sets the credit tone for every market on its map. No bank is too small to score the same way: Jpmorgan Chase Bank NA runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 606-county, 14,661-ZIP profile means exactly what it would for any institution nationwide. Jpmorgan Chase Bank NA'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. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 14,661 ZIP codes Jpmorgan Chase Bank NA lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Jpmorgan Chase Bank NA is publicly traded (JPM) under Jpmorgan Chase&Co, its financials are open to scrutiny and its trend can be independently checked.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Jpmorgan Chase Bank NA 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. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.