Texas Bank Stress by County

Texas currently reads moderate but building on bank stress, averaging 52/100 across its counties, ranking #51 nationally. It gauges the financial pressure on local lenders — the upstream force that stalls refinances and surfaces forced sales later.

466 lenders across 250 Texas counties are scored on call-report data and local footprint.

Pressure peaks in Reeves County at 79/100 and Stonewall County. A complete Texas ranking follows, worst-stressed first.

A moderate but building environment in Texas concentrates the risk. Watch the counties whose lenders are tightest, because that is where forced sales cluster.

Each new FDIC filing cycle re-scores Texas, so the state position tracks live balance sheets rather than an old snapshot.

Pairing Texas lender strain with property records turns an abstract score into a working list of counties and parcels.

This matters to buyers because credit is what moves transactions. Stressed Texas lenders mean construction finance dries up, refinances fail, and leveraged owners run out of options. That is what makes it an early indicator rather than a lagging one.

28 Texas counties register 65 or higher on bank stress, the worst at 100/100 -- the thinnest local lending capacity in the state.

DLRadar scores bank stress for every U.S. county from public FDIC call-report data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That gives Texas buyers an early, auditable read on supply, each number from public federal data.