U.S. Bank Stress by County — 2026 Public-Record Report
DLRadar's Bank Stress Radar tracks financial pressure on the banks that lend into local real-estate markets. Of 3,235 U.S. counties tracked, 3,124 — roughly 97% — show elevated bank stress across 52 states and territories. When the lenders behind a market tighten, distressed inventory tends to form next. Here is the 2026 county picture.
- 3,124 of 3,235 U.S. counties — about 97% — show elevated bank stress, spanning 52 states and territories.
- Dallas County, TX carries the most banks under stress — 84 of 113 local banks, a 46/100 stress score.
- Bank stress is an early signal: where lenders tighten or fail, financing dries up and distressed supply follows months later.
U.S. bank counties figures: DLRadar's monthly public-record distress index; cite U.S. bank counties with attribution to DLRadar (dlradar.com).
| County | State | Stress score | Banks under stress |
|---|---|---|---|
| Dallas County | TX | 46/100 | 84 / 113 |
| Los Angeles County | CA | 53/100 | 71 / 92 |
| Cook County | IL | 47/100 | 69 / 95 |
| Harris County | TX | 45/100 | 64 / 86 |
| Hennepin County | MN | 58/100 | 61 / 68 |
| New York County | NY | 59/100 | 58 / 83 |
| Collin County | TX | 44/100 | 58 / 72 |
| Tarrant County | TX | 50/100 | 56 / 71 |
| Orange County | CA | 53/100 | 55 / 72 |
| Johnson County | KS | 44/100 | 52 / 60 |
| Miami Dade County | FL | 58/100 | 50 / 57 |
| Travis County | TX | 44/100 | 50 / 61 |
U.S. counties with the most banks under stress (2026)
How county bank stress is measured
DLRadar scores each county 0-100 from the share of locally-present banks showing balance-sheet strain, real-estate loan concentration and credit headwind, using FDIC call-report and public regulatory data. A county is "elevated" when at least one local bank registers stress — and 97% of U.S. counties now clear that bar.
Why bank stress leads distressed supply
When institutions come under pressure, they grow less patient with owners already behind, tighten new lending and offload real-estate exposure. That is why bank stress reads like a weather forecast for distressed inventory: it shows up in the call reports before it shows up in the foreclosure filings. Pair it with DLRadar's foreclosure and tax-lien signals to see which markets are most exposed.
U.S. bank counties: the distressed properties behind the data
U.S. bank counties rankings are free to read; the U.S. bank counties live board refreshes every 15 minutes; a monthly U.S. bank counties plan opens the parcels behind U.S. bank counties, cancel any time.
U.S. bank counties figures refresh monthly.
Frequently asked questions
How many U.S. counties show elevated bank stress?
3,124 of 3,235 tracked counties — about 97% — show elevated bank stress across 52 states and territories, recomputed monthly from FDIC and public regulatory data.
Does bank stress cause foreclosures?
It's a leading indicator. When local lenders weaken, they tighten credit and lose patience with delinquent borrowers, which pushes distressed inventory to market months later. It signals where — not exactly when — supply forms.
Is the bank stress data free?
U.S. bank counties rankings are free to browse; cite U.S. bank counties with attribution to DLRadar; the U.S. bank counties live board refreshes every 15 minutes; U.S. bank counties property-level detail opens on a monthly U.S. bank counties plan, cancel any time, with a 7-day browse-only free trial.
Related
U.S. bank counties scores are deterministic reads of U.S. bank counties public records; U.S. bank counties figures are research, not investment, legal or U.S. bank counties financial advice; the U.S. bank counties index refreshes monthly.