Bank Of Franklin: Bank Stress & Real-Estate Credit Exposure

Bank stress at Bank Of Franklin (FDIC Cert #10594) registers 68/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

DLRadar does not model Bank Of Franklin in isolation: the 22-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Bank Of Franklin's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Bank Of Franklin is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 68/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Bank Of Franklin is held under Franklin Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Its lending reaches counties such as Lincoln County, MS, Franklin County, MS, Pike County, MS, Adams County, MS, each tied back to DLRadar's distress signals. Bank Of Franklin runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 22 ZIP codes. The deepest footprints are Mississippi (4 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Bank Of Franklin tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.