Where does the bank stress score come from?

DLRadar scores every FDIC bank from its call reports, rate exposure and market signals, then maps branches to ZIPs. The report shows the banks present in the county and their scores.

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 A package is only offered while its datasets pass DLRadar's freshness gate; if a source stalls, the package is withdrawn until it refreshes.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

County Real Estate and Bank Risk Report

Coverage right now: 3,181 u.s. counties · 4,228 banks scored · 33K zip codes · data as of 2026-10-01

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.

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)
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
Latest insurance distress reading (NFIP retreat, claims, climate, price stress, HUD dependency) and twelve months of unemployment
Not included: phone numbers, emails or skip tracing. Public-record data, dated, with the source named in every file.

U.S. counties: 3,181
Banks scored: 4,228
ZIP codes: 33K

What is in the file

7 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 county (Summary of Deposits).

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

County bank summary

county_bank_summary.csv

One row.

county_namebank_countbranch_count_totalweighted_avg_bank_stressmax_bank_stress

County headwind

county_headwind.csv

Latest snapshot.

as_ofbanks_presentbanks_with_stressbanks_with_re_loanscounty_headwind_score_0_100

Insurance distress, latest month

insurance_distress_latest.csv

One dated row with the number of months on file.

asof_monthinsurance_distress_scoreinsurance_retreat_indexclimate_risk_multiplierscore_nfip_retreatscore_nfip_claimsscore_climatescore_price_stressscore_hud_dependencyscore_naic_macromonths_on_file

Unemployment, 12 months

unemployment_12m.csv

One row per month.

yearmonthunemployment_rate

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 Pinellas County, FL, 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
FL	12103	33716	Saint Petersburg	Raymond James Bank	••••	RAYMOND JAMES FINANCIAL, INC.	full service, brick and mortar	41395171	100.00	66.91	2026	••••
FL	12103	33704	Saint Petersburg	Climate First Bank	••••	CLIMATE FIRST BANCORP, INC.	full service, brick and mortar	1226366	100.00	68.99	2026	••••
NC	12103	33701	Saint Petersburg	Truist Bank	••••	TRUIST FINANCIAL CORPORATION	full service, brick and mortar	806241	21.22	62.06	2026	••••
FL	12103	33761	Clearwater	EverBank, National Association	••••	EVERBANK FINANCIAL CORP	full service, brick and mortar	747562	100.00	73.48	2026	••••
NC	12103	33761	Clearwater	Truist Bank	••••	TRUIST FINANCIAL CORPORATION	full service, brick and mortar	741206	19.51	62.06	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
FL	12103	33716	1	1	41395171	66.9	66.91	Raymond James Bank	2026
NC	12103	33701	3	2	1439314	68.2	71.29	Truist Bank	2026
FL	12103	33704	2	2	1295614	66.3	68.99	Climate First Bank	2026
FL	12103	33761	3	3	1066077	61.2	73.48	EverBank, National Association	2026
NC	12103	33761	2	1	858457	62.1	62.06	Truist Bank	2026

county_bank_summary.csv5 columns · first 1 rows

county_name	bank_count	branch_count_total	weighted_avg_bank_stress	max_bank_stress
	33	236	62.0	90

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	-8.2	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
••••	WELLS FARGO BANK NA	SD	active	WELLS FARGO&COMPANY	Holding Company	WFC	WEAKENING	-13.7	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
••••	PNC BANK NATIONAL ASSN	DE	active	PNC FINL SERVICES GROUP INC	Holding Company		STABLE	-7.8	20260630	609771726	63179108	10.36	9.65	1.32	12.59	3954707	8453844	457090936	1.53	0.00	1.94	0.63	0.15	0.067	0.011	0.295	-0.004	-0.017	3.153	2.989	-0.1642	50	50	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	89	STRONG	62.93	C	28	512	11178
••••	TRUIST BANK	NC	active	TRUIST FINANCIAL CORP	Holding Company	TFC	WEAKENING	-14.4	20260630	548346000	62971000	11.48	8.71	1.16	10.00	3155000	7470000	419212000	0.97	0.00	0.50	0.36	0.29	0.070	0.000	0.138	0.000	0.503	3.141	3.170	0.0290	50	50	CREDIT_DRIVEN	Borrowers are not paying — expect REOs, asset disposals a…	87	STRONG	62.06	C	18	466	6862

county_headwind.csv5 columns · first 1 rows

as_of	banks_present	banks_with_stress	banks_with_re_loans	county_headwind_score_0_100
2026-04-26	32	26	23	43.65

insurance_distress_latest.csv11 columns · first 1 rows

asof_month	insurance_distress_score	insurance_retreat_index	climate_risk_multiplier	score_nfip_retreat	score_nfip_claims	score_climate	score_price_stress	score_hud_dependency	score_naic_macro	months_on_file
2026-10-01	99	99	1.00	0	100	99	0	0	0	8

unemployment_12m.csv3 columns · first 5 rows

year	month	unemployment_rate
2026	8	4.3
2026	7	4.4
2026	6	4.3
2026	5	4.2
2026	4	4.3

Questions

Where does the bank stress score come from?: DLRadar scores every FDIC bank from its call reports, rate exposure and market signals, then maps branches to ZIPs. The report shows the banks present in the county and their scores.
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.

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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 →

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Coverage: 3,150 counties · 51 states + dc

Every county in 50 states and DC: 507 counties carry the CFPB county sample with rank, percentile and trend; every other county carries its metro-area, non-metro or state reading, with the basis named on the row
Latest 90+ day and 30-89 day rates with national and in-state rank and percentile, 3, 6, 12 and 36-month change, trend labels, slope, peak since 2008 and gap to it (sampled counties)
County context on the same row: metro-area and state rates, BLS unemployment (latest month, 12 and 24-month change), market phase and house-price change, opportunity rank and phase, bank count and stress, insurance distress

Counties: 3,150
States + DC: 51

Data as of 2025-12-01Sample Get it free →

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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.

Coverage: 631K rows · 4,228 banks

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

Rows: 631K
Banks: 4,228

Data as of 2026-10-20Sample Subscribe →

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