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

At 78/100, First Nb Of Bellevue's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #6528. 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.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. First Nb Of Bellevue is held under First Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps First Nb Of Bellevue into 4 counties (49 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Ohio (4 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 49 ZIP codes First Nb Of Bellevue lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A severe score on a footprint this size means the markets First Nb Of Bellevue touches inherit a corresponding share of that lending pressure. What separates this from a plain credit rating is the geographic weighting — First Nb Of Bellevue's 78/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Because First Nb Of Bellevue is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. County by county, that footprint includes Ottawa County, OH, Sandusky County, OH, Huron County, OH, Erie County, OH, among others DLRadar tracks parcel by parcel.

For buyers, lender stress is an early map of supply: when First Nb Of Bellevue 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.