First State Bank Of Red Wing: Bank Stress & Real-Estate Credit Exposure

Bank stress at First State Bank Of Red Wing (FDIC Cert #8191) registers 100/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

County by county, that footprint includes Goodhue County, MN, Wabasha County, MN, Steele County, MN, among others DLRadar tracks parcel by parcel. The First State Bank Of Red Wing score updates as fresh FDIC call reports post each quarter, so its 100/100 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, First State Bank Of Red Wing is directly comparable to any lender in the country. Because First State Bank Of Red Wing is held under Noble Bank Holding Co Inc, its financials are open to scrutiny and its trend can be independently checked. 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. DLRadar maps First State Bank Of Red Wing into 3 counties (36 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Minnesota (3 counties). A severe score on a footprint this size means the markets First State Bank Of Red Wing touches inherit a corresponding share of that lending pressure. Rather than a standalone rating, the severe score is tied to real markets — every one of the 36 ZIP codes First State Bank Of Red Wing lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The DLRadar bank-stress score is a composite, not a single ratio: it weighs First State Bank Of Red Wing'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 acquisition angle is simple — lending capacity is what moves deals. As First State Bank Of Red Wing tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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.