Du Quoin State Bank: Bank Stress & Real-Estate Credit Exposure

Du Quoin State Bank (FDIC Cert #10804) carries a DLRadar bank-stress score of 83/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

Rather than a standalone rating, the severe score is tied to real markets — every one of the 47 ZIP codes Du Quoin State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The Du Quoin State Bank score updates as fresh FDIC call reports post each quarter, so its 83/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Du Quoin State Bank is directly comparable to any lender in the country. Because Du Quoin State Bank is held under Perry County Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Du Quoin State Bank finances markets like Jackson County, IL, Franklin County, IL, Perry County, IL — the specific places where its credit posture translates into local lending capacity. The combination of a severe reading and a compact footprint is what makes Du Quoin State Bank worth watching as a supply signal. Its footprint is compact and single-state: 47 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Illinois (3 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Du Quoin State 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Du Quoin State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. 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.