How do I name the bank?

Type part of the bank's legal name or its FDIC certificate number; the quote shows the match and the cluster count before you pay.

How current is the data?

The as-of date is shown on this page, on the checkout and in the file header. A package is only offered while its datasets pass DLRadar's freshness gate; if a source stalls, the package is withdrawn until it refreshes.

Can I resell or republish the file?

No. Each file is licensed to the buyer and every row carries a per-order fingerprint. You may use it for your own research, marketing and acquisitions.

One bankOne-time file

Distressed Bank Property Markets: ZIP Clusters, One Bank

Coverage right now: 34K zip clusters · 3,145 lead banks · 54 states · data as of 2026-10-19

Every ZIP cluster where one bank is the most stressed lender present, with the action label, capital strategy, exit and liquidity bands, and the latest deal event per cluster.

ZIP clusters led by the bank: action label, capital strategy and required capital, priority and readiness scores
Bank stress, movement category, stressed and critical bank counts, DLSpecial listing counts and discounts
Latest deal event per cluster with competition, exit-time and liquidity bands
Full profile of every bank in the file: HQ, parent company, ticker, assets, equity, ROA, ROE, net income, deposits, noncurrent loan ratios, margin, rate-risk scores and stress trend
Not included: phone numbers, emails or skip tracing. Public-record data, dated, with the source named in every file.

ZIP clusters: 34K
Lead banks: 3,145
States: 54

What is in the file

3 CSV tables in one zip. Every table carries a header with the package, geography, as-of date and order id, and a dlr_ref fingerprint column.

ZIP clusters

zip_clusters.csv

One row per cluster led by the bank.

cluster_idstatecountyzipprimary_cityaction_labelcapital_strategycapital_requiredpriority_scorecapital_readiness_scorefinal_capital_scoretop_bank_nametop_bank_certtop_bank_stressmax_bank_stressstressed_bank_countcritical_bank_countavg_bank_stressbank_movement_categorybank_movement_scoredlbank_countdlspecial_countdlspecial_discount_countdlspecial_short_sale_countdlspecial_avg_discount_pcttotal_dlspecial_valuevacancy_rate_pctvacancy_tierdemand_labelliquidity_bandexit_time_bandexit_risk_labelmarket_phasemarket_competition_labelcluster_migrationopportunity_scorezip_stress_scoreforeclosure_pressureis_emergingexecution_ready_flagbank_stress_delta_7dzip_stress_delta_30dconviction_reasonsas_of

Latest deal event per cluster

deal_events_latest.csv

One row per cluster.

as_ofcluster_idzipstatecountyprimary_cityaction_labelcapital_strategymarket_competition_labelexit_time_bandliquidity_bandbank_movement_categoryis_emergingpriority_scorecapital_readiness_scoremax_bank_stresstop_bank_name

Bank profiles

bank_profiles.csv

One row per bank named in this file: headquarters, holding company and ticker, balance sheet and earnings from the latest call report, noncurrent loan ratios by type, margin and rate-risk scores, capital strength and the current stress score with its 7-day change.

bank_certbank_namehq_statehq_citystatusclosed_or_merged_datesuccessor_nameholding_companyholding_company_typetickerequity_trend_labelpct_off_52w_hicall_report_datetotal_assets_usd_thousandsequity_usd_thousandsequity_ratio_pcttangible_equity_ratio_pctleverage_ratioroaroenet_income_usd_thousandsnet_interest_income_usd_thousandsdomestic_deposits_usd_thousandsnoncurrent_re_loans_pctnoncurrent_commercial_re_pctnoncurrent_nonresi_re_pctnoncurrent_multifamily_pctnoncurrent_construction_pctnet_chargeoff_re_loans_pctnet_chargeoff_commercial_re_pctnet_chargeoff_nonresi_re_pctnet_chargeoff_multifamily_pctnet_chargeoff_construction_pctnet_interest_margin_pctnet_interest_margin_8q_avg_pctnim_compressionbank_loan_yieldbank_cost_of_fundsfixed_rate_trap_scorebank_rate_exposure_scorebank_risk_typedeal_implicationcapital_strength_scorebank_failure_riskbank_stress_scoredlradar_bank_gradestates_servedcounties_servedzips_served

Sample rows

Real rows from Wells Fargo Bank (FDIC 3511), built by the same query as the paid file. Identifiers are blanked and names and addresses partly hidden (••••); your file carries the full values.

Download the masked sample (.csv)

zip_clusters.csv41 columns · first 5 rows

cluster_id	state	county	zip	primary_city	action_label	capital_strategy	capital_required	priority_score	capital_readiness_score	final_capital_score	top_bank_name	top_bank_cert	top_bank_stress	max_bank_stress	avg_bank_stress	bank_movement_category	bank_movement_score	dlbank_count	dlspecial_count	dlspecial_discount_count	dlspecial_short_sale_count	dlspecial_avg_discount_pct	total_dlspecial_value	vacancy_rate_pct	vacancy_tier	demand_label	liquidity_band	exit_time_band	exit_risk_label	market_phase	market_competition_label	cluster_migration	opportunity_score	zip_stress_score	foreclosure_pressure	is_emerging	conviction_reasons	as_of
••••	MD	Baltimore	21223	Baltimore	BUY_NOW	Selective Flip	10346297	75.60	70.30	96.9	WELLS FARGO BANK NA	••••	66.95	66.95	53.39	GROWTH_STRESS	48.18	125	109	72	28	29.30	9060398	5.14	Healthy	STRONG_DEMAND	HIGH_LIQUIDITY	FAST_EXIT_0_45	CLEAN_EXIT	PEAK	ASYMMETRIC	STILL_EARLY	73.39	19	19	false	Bank signal: direct ZIP branches (High confidence) \| Top …	2026-10-09
••••	FL	St_Lucie	32536	Crestview	BUY_NOW	Wholesale Arbitrage	35714354.0	71.61	65.94	84.7	WELLS FARGO BANK NA	••••	66.95	66.95	57.61	GROWTH_STRESS	54.18	289	289	207	15		35714354.0				MODERATE_LIQUIDITY	ILLIQUID_180_PLUS	CROWDED_EXIT_RISK	NEUTRAL	CROWDED	OVERCROWDED	53.39	43	43	false	Bank signal: direct ZIP branches (High confidence) \| Top …	2026-10-09
••••	DC	County pending	20032	Washington	BUY_NOW	Bulk Flip	21020049	70.38	65.08	82.9	WELLS FARGO BANK NA	••••	66.95	66.95	66.95	GROWTH_STRESS	51.93	88	73	52	37	38.15	20591050				MODERATE_LIQUIDITY	ILLIQUID_180_PLUS	NORMAL_EXIT_RISK	CONTRACTION	ASYMMETRIC	STILL_EARLY	78.39	34	34	false	Bank signal: direct ZIP branches (High confidence) \| Top …	2026-10-09
••••	TX	Harris	77493	Katy	BUY_NOW	Bulk Flip	51463683	69.70	64.10	86.0	WELLS FARGO BANK NA	••••	66.95	66.95	62.52	CAPITAL_DEPLOYMENT	48.68	127	98	31	72	6.09	35236714	8.38	Moderate	NEUTRAL	MODERATE_LIQUIDITY	NORMAL_EXIT_45_90	NORMAL_EXIT_RISK	RECOVERY	ASYMMETRIC	STILL_EARLY	68.39	21	21	false	Bank signal: direct ZIP branches (High confidence) \| Top …	2026-10-09
••••	MD	Baltimore	21216	Baltimore	BUY_NOW	Selective Flip	12974430	69.70	64.40	91.0	WELLS FARGO BANK NA	••••	66.95	66.95	65.32	GROWTH_STRESS	48.18	110	95	57	29	16.94	11746530	5.14	Healthy	STRONG_DEMAND	HIGH_LIQUIDITY	FAST_EXIT_0_45	CLEAN_EXIT	PEAK	ASYMMETRIC	STILL_EARLY	68.39	19	19	false	Bank signal: direct ZIP branches (High confidence) \| Top …	2026-10-09

deal_events_latest.csv17 columns · first 5 rows

as_of	cluster_id	zip	state	county	primary_city	action_label	capital_strategy	market_competition_label	exit_time_band	liquidity_band	bank_movement_category	is_emerging	priority_score	capital_readiness_score	max_bank_stress	top_bank_name
2026-10-19	••••	32141	FL	Volusia	Edgewater	MONITOR	Contraction Entry	HOT_BATTLE	SLOW_EXIT_90_180	MODERATE_LIQUIDITY	GROWTH_STRESS	false	34.25	28.65	66.95	WELLS FARGO BANK NA
2026-10-19	••••	33462	FL	Sumter	Lake Worth	MONITOR	Selective Flip	NEUTRAL	ILLIQUID_180_PLUS	MODERATE_LIQUIDITY	GROWTH_STRESS	false	32.77	27.47	66.95	WELLS FARGO BANK NA
2026-10-19	••••	07106	NJ	Essex	Newark	MONITOR	Bank Pressure Play	NEUTRAL	NORMAL_EXIT_45_90	HIGH_LIQUIDITY	GROWTH_STRESS	false	23.94	18.94	66.95	WELLS FARGO BANK NA
2026-10-19	••••	82609	WY	Natrona	Casper	MONITOR	Selective Flip	NEUTRAL	NORMAL_EXIT_45_90	MODERATE_LIQUIDITY	GROWTH_STRESS	false	33.23	28.23	66.95	WELLS FARGO BANK NA
2026-10-19	••••	89410	NV	Douglas	Gardnerville	EMERGING	Emerging Market	EARLY_SIGNAL	SLOW_EXIT_90_180	MODERATE_LIQUIDITY	WATCH	true	18.86	13.56	66.95	WELLS FARGO BANK NA

bank_profiles.csv49 columns · first 1 rows

bank_cert	bank_name	hq_state	hq_city	status	closed_or_merged_date	successor_name	holding_company	holding_company_type	ticker	equity_trend_label	pct_off_52w_hi	call_report_date	total_assets_usd_thousands	equity_usd_thousands	equity_ratio_pct	tangible_equity_ratio_pct	leverage_ratio	roa	roe	net_income_usd_thousands	net_interest_income_usd_thousands	domestic_deposits_usd_thousands	noncurrent_re_loans_pct	noncurrent_commercial_re_pct	noncurrent_nonresi_re_pct	noncurrent_multifamily_pct	noncurrent_construction_pct	net_chargeoff_re_loans_pct	net_chargeoff_commercial_re_pct	net_chargeoff_nonresi_re_pct	net_chargeoff_multifamily_pct	net_chargeoff_construction_pct	net_interest_margin_pct	net_interest_margin_8q_avg_pct	nim_compression	bank_loan_yield	bank_cost_of_funds	fixed_rate_trap_score	bank_rate_exposure_score	bank_risk_type	deal_implication	capital_strength_score	bank_failure_risk	bank_stress_score	dlradar_bank_grade	states_served	counties_served	zips_served
••••	WELLS FARGO BANK NA	SD		active			WELLS FARGO&COMPANY	Holding Company	WFC	WEAKENING	-11.6	20260630	1907928000	169518000	8.88		11.26	1.38	14.88	12808000	26396000	1554614000	2.21	0.17	3.43	1.51	4.28	0.004	-0.007	-0.012	0.334	0.498	3.129	3.268	0.1394			52	52	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	85	STRONG	66.95	D	39	779	13901

Questions

How do I name the bank?: Type part of the bank's legal name or its FDIC certificate number; the quote shows the match and the cluster count before you pay.
How current is the data?: The as-of date is shown on this page, on the checkout and in the file header. A package is only offered while its datasets pass DLRadar's freshness gate; if a source stalls, the package is withdrawn until it refreshes.
Can I resell or republish the file?: No. Each file is licensed to the buyer and every row carries a per-order fingerprint. You may use it for your own research, marketing and acquisitions.

Pairs well with

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Bank Financial Stress Watchlist, Monthly

Every FDIC bank with its stress score, noncurrent real-estate loan shares, margin compression, rate-exposure score, equity trend and last close, refreshed monthly.

Coverage: 4,313 banks · 201 with ticker

All FDIC-insured banks ranked by DLRadar stress score with a letter grade (A under 40, B 40 to 55, C 55 to 65, D 65 to 80, F 80 and up), assets, equity and ROA, and the change in each over 90 days
True noncurrent loan ratios and, separately, net charge-off rates for real-estate, commercial and non-residential loans from the latest call report
NIM compression, fixed-rate-trap and rate-exposure scores, risk type, deal implication, ticker, equity trend and last close

Banks: 4,313
With ticker: 201

Data as of 2026-06-30Sample Subscribe →

One U.S. county

$29

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County Real Estate and Bank Risk Report

Every FDIC branch in one county with its deposits, rolled up by ZIP, with the county's headwind score, the latest insurance distress reading and twelve months of unemployment.

Coverage: 3,181 u.s. counties · 4,228 banks scored

Every bank branch in the county from the FDIC Summary of Deposits: bank, holding company, branch city and ZIP, service type, deposits, and the bank's stress score
Bank exposure by ZIP: branches, banks, total deposits and the largest bank in each ZIP
County bank summary and headwind score (banks present, banks with stress, banks with real-estate loans)

U.S. counties: 3,181
Banks scored: 4,228

Data as of 2026-10-01Sample Buy →

All 16 packages → · Bank distress and institutional data