I3 Bank: Bank Stress & Real-Estate Credit Exposure

At 79/100, I3 Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #8595. 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.

Its footprint is compact and single-state: 95 ZIP codes in 3 counties over 1 states. The deepest footprints are Nebraska (3 counties). Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The combination of a severe reading and a compact footprint is what makes I3 Bank worth watching as a supply signal. No bank is too small to score the same way: I3 Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 95-ZIP profile means exactly what it would for any institution nationwide. I3 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 Lancaster County, NE, Douglas County, NE, Saunders County, NE, each tied back to DLRadar's distress signals. Because I3 Bank is held under Bbig Holdings Llc, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the severe score is tied to real markets — every one of the 95 ZIP codes I3 Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

The acquisition angle is simple — lending capacity is what moves deals. As I3 Bank 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.