How does the monthly refresh work?

Your access runs 35 days per billing cycle and the file is rebuilt on download once it is more than seven days old, so each month you pull a current file. Cancel any time from the billing page.

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 A package is only offered while its datasets pass DLRadar's freshness gate; if a source stalls, the package is withdrawn until it refreshes.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.

NationwideMonthly feed

Bank Lending Exposure by ZIP Code, National

Coverage right now: 631K rows · 4,228 banks · 33K zip codes · data as of 2026-10-19

Every bank's branch footprint and stress score in every U.S. ZIP that has an FDIC branch. Stress refreshed monthly; branches from the annual FDIC Summary of Deposits.

State, county, ZIP, bank, FDIC certificate, branches and stress score on every row
Covers every FDIC bank with branches, across every ZIP and county in the country
Rebuilt each cycle so you can diff month over month
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.

Rows: 631K
Banks: 4,228
ZIP codes: 33K

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.

Bank branches

bank_branches.csv

One row per FDIC branch in the country (Summary of Deposits, about 75,900 rows).

statecounty_fipszipbranch_citybank_namebank_certholding_companyservice_typebranch_deposits_usd_thousandsshare_of_bank_deposits_in_scope_pctbank_stress_scoresod_yearfdic_branch_id

Bank exposure by ZIP

bank_exposure_by_zip.csv

One row per ZIP with a branch.

statecounty_fipszipbranchesbanksdeposits_usd_thousandsavg_bank_stressmax_bank_stresslargest_bank_by_depositssod_year

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 United States, 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)

bank_branches.csv13 columns · first 5 rows

state	county_fips	zip	branch_city	bank_name	bank_cert	holding_company	service_type	branch_deposits_usd_thousands	share_of_bank_deposits_in_scope_pct	bank_stress_score	sod_year	fdic_branch_id
OH	36061	10017	New York	JPMorgan Chase Bank, National Association	••••	JPMORGAN CHASE & CO.	full service, brick and mortar	759452554	34.11	64.68	2026	••••
SD	46083	57108	Sioux Falls	Citibank, National Association	••••	CITIGROUP INC.	full service, brick and mortar	637703000	70.79	74.09	2026	••••
SD	46099	57105	Sioux Falls	Wells Fargo Bank, National Association	••••	WELLS FARGO & COMPANY	full service, brick and mortar	461684458	29.70	66.95	2026	••••
VA	10003	19801	Wilmington	Capital One, National Association	••••	CAPITAL ONE FINANCIAL CORPORATION	full service, cyber	312884340	61.06	39.82	2026	••••
NC	37119	28202	Charlotte	Bank of America, National Association	••••	BANK OF AMERICA CORPORATION	full service, brick and mortar	283742465	14.31	71.29	2026	••••

bank_exposure_by_zip.csv10 columns · first 5 rows

state	county_fips	zip	branches	banks	deposits_usd_thousands	avg_bank_stress	max_bank_stress	largest_bank_by_deposits	sod_year
OH	36061	10017	3	1	761006837	64.7	64.68	JPMorgan Chase Bank, National Association	2026
SD	46083	57108	19	14	646313104	62.0	86.76	Citibank, National Association	2026
SD	46099	57105	4	4	461850653	66.5	86.76	Wells Fargo Bank, National Association	2026
UT	49035	84111	12	11	385485250	48.0	77.30	Morgan Stanley Bank, National Association	2026
NC	37119	28202	5	3	359820245	69.3	71.29	Bank of America, National Association	2026

bank_profiles.csv49 columns · first 5 rows

bank_cert	bank_name	hq_state	status	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	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	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
••••	JPMORGAN CHASE BANK NA	OH	active	JPMORGAN CHASE&CO	Holding Company	JPM	STABLE	-6.5	20260630	4091315000	341580000	8.35	11.98	1.59	18.55	31335000	50852000	2226790000	1.31	0.65	1.92	0.46	2.57	-0.005	0.000	0.078	-0.013	0.032	2.882	2.965	0.0830	57	57	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	83	STRONG	64.68	C	48	629	14991
••••	BANK OF AMERICA NA	NC	active	BANK OF AMERICA CORP	Holding Company		STABLE	-7.2	20260630	2654645000	240789000	9.07	11.02	1.13	12.31	14947000	30384000	1983484000	1.21	1.12	1.96	0.25	0.25	0.033	-0.006	0.192	0.024	0.000	2.526	2.491	-0.0350	61	61	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	79	STRONG	71.29	D	38	435	11426
••••	CITIBANK NATIONAL ASSN	SD	active	CITIGROUP INC	Holding Company	C	WEAKENING	-14.3	20260630	1976180000	171296000	8.67	11.54	1.06	11.69	10118000	25968000	896647000	0.70	0.00	2.41	0.67	0.88	-0.003	0.000	0.000	0.000	0.000	3.019	3.046	0.0271	50	50	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	79	STRONG	74.09	D	13	52	2834
••••	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
••••	GOLDMAN SACHS BANK USA	NY	active	GOLDMAN SACHS GROUP INC THE	Holding Company		STABLE	-4.4	20260630	758788000	60184000	7.93	12.61	1.21	13.72	4333000	5656000	473203000	2.70	0.27	10.85	2.41	0.48	0.992	0.000	4.253	-0.086	0.000	1.784	1.892	0.1078	53	53	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	78	STRONG	73.71	D	4	4	167

Questions

How does the monthly refresh work?: Your access runs 35 days per billing cycle and the file is rebuilt on download once it is more than seven days old, so each month you pull a current file. Cancel any time from the billing page.
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

One U.S. state

$79

one-time

State Real Estate and Bank Risk File

Every county in one state with market phase, HPI, bank exposure and insurance distress, plus bank exposure for every ZIP and the latest ZIP insurance reading.

Coverage: 55 states · 3,181 counties

County table: market phase and confidence, HPI change and drawdown, bank counts and stress, headwind, insurance distress
Bank exposure by ZIP for the whole state
Latest insurance distress score and retreat index for every ZIP

States: 55
Counties: 3,181

Data as of 2026-06-01Sample Buy →

One U.S. county

$29

one-time

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 →

Nationwide

$79

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90-Day Delinquency Hotspots, National

All 3,150 counties in one file: 507 ranked from the CFPB county sample with trend, peak and context, the rest with their metro or state reading, plus every state and metro series since 2008.

Coverage: 3,150 counties · 507 cfpb-sampled counties

All 507 CFPB-covered counties ranked nationally and in-state with percentile, 3 to 36-month change, trend labels, slope, peak since 2008 and the county context columns
All 2,640-plus remaining counties with their metro-area, non-metro or state reading, flagged by basis: 3,150 counties in one file
Full monthly history since 2008 for every covered county (about 110,000 rows) plus every state, metro and non-metro series

Counties: 3,150
CFPB-sampled counties: 507

Data as of 2025-12-01Sample Buy →

All 16 packages → · Bank distress and institutional data

Bank Lending Exposure by ZIP Code, National

What is in the file

Bank branches

Bank exposure by ZIP

Bank profiles

Sample rows

Questions

LiveSee the real data for 7 days before you pay