Bluestone Bank: Bank Stress & Real-Estate Credit Exposure

Bluestone Bank (FDIC Cert #90169) carries a DLRadar bank-stress score of 91/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

Rather than a standalone rating, the severe score is tied to real markets — every one of the 113 ZIP codes Bluestone Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Bluestone Bank is held under Bluestone Financial Mhc, its financials are open to scrutiny and its trend can be independently checked. At the county level, Bluestone Bank finances markets like Norfolk County, MA, Bristol County, MA, Plymouth County, MA — the specific places where its credit posture translates into local lending capacity. Its footprint is compact and single-state: 113 ZIP codes in 3 counties over 1 states. The deepest footprints are Massachusetts (3 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bluestone Bank'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. No bank is too small to score the same way: Bluestone Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 113-ZIP profile means exactly what it would for any institution nationwide. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

For buyers, lender stress is an early map of supply: when Bluestone Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.