Preferred Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Preferred Bank (FDIC Cert #10628) registers 76/100 on DLRadar's scale — a severe reading. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Its lending reaches counties such as Jackson County, MO, Lafayette County, MO, Linn County, MO, Chariton County, MO, each tied back to DLRadar's distress signals. DLRadar does not model Preferred Bank in isolation: the 97-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 severe posture can be read directly against on-the-ground distress. Because Preferred Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 76/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The recent trend is 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. Preferred Bank is held under Bor Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. DLRadar maps Preferred Bank into 4 counties (97 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Missouri (4 counties). What separates this from a plain credit rating is the geographic weighting — Preferred Bank's 76/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Preferred Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.