Btc Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Btc Bank (FDIC Cert #10618) at 76/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Btc Bank is held under Bethany Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked. Read against its 17-county reach, a severe score sets the credit tone for every market on its map. DLRadar does not model Btc Bank in isolation: the 160-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 17 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Its lending reaches counties such as Daviess County, MO, Pettis County, MO, Cooper County, MO, Dallas County, MO, each tied back to DLRadar's distress signals. No bank is too small to score the same way: Btc Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 17-county, 160-ZIP profile means exactly what it would for any institution nationwide. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Btc Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Btc Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 17 U.S. counties across 2 states, spanning 160 ZIP codes. The deepest footprints are Missouri (16 counties), Iowa (1 county).

The acquisition angle is simple — lending capacity is what moves deals. As Btc Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.