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Bank Financial Stress Watchlist, Monthly
Coverage right now: 4,313 banks · 201 with ticker · 1,413 stress score 70+ · data as of 2026-06-30
Every FDIC bank with its stress score, noncurrent real-estate loan shares, margin compression, rate-exposure score, equity trend and last close, refreshed monthly.
- 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
- Not included: phone numbers, emails or skip tracing. Public-record data, dated, with the source named in every file.
- Banks
- 4,313
- With ticker
- 201
- Stress score 70+
- 1,413
What is in the file
One CSV table. Every table carries a header with the package, geography, as-of date and order id, and a dlr_ref fingerprint column.
Bank watchlist
bank_watchlist.csvOne row per bank, highest stress first.
bank_certbank_namestateas_ofbank_stress_scoredlradar_bank_gradeassetequityroastress_change_90dasset_change_90d_pctequity_change_90d_pctroa_change_90dcompared_withnoncurrent_re_loans_pctnoncurrent_commercial_re_pctnoncurrent_nonresi_re_pctnet_chargeoff_re_loans_pctnet_chargeoff_commercial_re_pctnet_chargeoff_nonresi_re_pctnimroenet_incomedomestic_depositscall_report_datenim_currentnim_8q_avgnim_compressionfixed_rate_trap_scorebank_rate_exposure_scorebank_risk_typedeal_implicationrates_bandspread_bandtickerequity_trend_labelpct_off_52w_hilast_closelast_close_date
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.
bank_watchlist.csv39 columns · first 5 rows| bank_cert | bank_name | state | as_of | bank_stress_score | dlradar_bank_grade | asset | equity | roa | stress_change_90d | asset_change_90d_pct | equity_change_90d_pct | roa_change_90d | compared_with | noncurrent_re_loans_pct | noncurrent_commercial_re_pct | noncurrent_nonresi_re_pct | net_chargeoff_re_loans_pct | net_chargeoff_commercial_re_pct | net_chargeoff_nonresi_re_pct | nim | roe | net_income | domestic_deposits | call_report_date | nim_current | nim_8q_avg | nim_compression | fixed_rate_trap_score | bank_rate_exposure_score | bank_risk_type | deal_implication | rates_band | spread_band | ticker | equity_trend_label | pct_off_52w_hi | last_close | last_close_date |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| •••• | NANO BANC | CA | 2026-10-19 | 100.00 | F | 736172 | 38810 | -0.5384547223425936 | 0.00 | -14.36 | -23.23 | -0.434 | 2026-07-21 | 23.61 | 36.11 | 57.73 | 1.986 | 36.106 | 57.732 | 8595 | -10.95 | -2218 | 685846 | 20260630 | 2.154532225861155 | 3.3684711380692935 | 1.2139 | 90 | 90 | CREDIT_DRIVEN | Borrowers are not paying — expect REOs, asset disposals a… | RATES_ELEVATED | SPREAD_NORMAL | |||||
| •••• | PROGROWTH BANK | MN | 2026-10-19 | 100.00 | F | 364790 | 19894 | -1.1205814683120687 | 0.00 | -1.65 | 2.17 | 1.115 | 2026-07-21 | 0.00 | 0.00 | 0.00 | -0.016 | 0.000 | 0.000 | 2963 | -21.58 | -2143 | 327126 | 20260630 | 1.603962539923131 | 2.0185716507249547 | 0.4146 | 40 | 40 | CREDIT_DRIVEN | Borrowers are not paying — expect REOs, asset disposals a… | RATES_ELEVATED | SPREAD_NORMAL | |||||
| •••• | FARMERS&MECHANICS FSB | IN | 2026-10-19 | 100.00 | F | 113590 | 5382 | -0.25116343522292917 | 0.00 | -2.05 | 2.89 | -0.062 | 2026-07-21 | 0.00 | 0.00 | 0.00 | 0.237 | 0.000 | 0.000 | 1572 | -5.38 | -145 | 105772 | 20260630 | 2.8529514072684927 | 2.5629611323989774 | -0.2900 | 40 | 40 | CREDIT_DRIVEN | Borrowers are not paying — expect REOs, asset disposals a… | RATES_ELEVATED | SPREAD_NORMAL | |||||
| •••• | TALBOT STATE BANK | GA | 2026-10-19 | 100.00 | F | 51658 | 2310 | -0.8537202848298007 | 0.00 | 0.48 | -0.17 | 0.273 | 2026-07-21 | 2.46 | 0.00 | 0.00 | 0.000 | 0.000 | 0.000 | 918 | -18.47 | -222 | 45247 | 20260630 | 3.69324848964375 | 3.4096740031393287 | -0.2836 | 40 | 40 | CREDIT_DRIVEN | Borrowers are not paying — expect REOs, asset disposals a… | RATES_ELEVATED | SPREAD_NORMAL | |||||
| •••• | TIOGA-FRANKLIN SAVINGS BANK | PA | 2026-10-19 | 100.00 | F | 68444 | 1397 | -3.3519229376403272 | 0.00 | -0.85 | -41.30 | -2.192 | 2026-07-21 | 6.79 | 0.00 | 8.29 | 1.199 | 0.000 | 8.292 | 969 | -121.19 | -1157 | 66571 | 20260630 | 2.9463932781285793 | 3.0049595665330994 | 0.0586 | 40 | 40 | CREDIT_DRIVEN | Borrowers are not paying — expect REOs, asset disposals a… | RATES_ELEVATED | SPREAD_NORMAL |
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.