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.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| 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.
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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?
The county-level ranking is free to browse and cite with attribution to DLRadar. The per-bank FDIC roster and ZIP-level lender exposure unlock with a plan.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.