Homepride Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Homepride Bank (FDIC Cert #11466) at 74/100 for bank stress — a elevated 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.

Its lending reaches counties such as Douglas County, MO, Wright County, MO, Webster County, MO, each tied back to DLRadar's distress signals. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Homepride Bank is held under Banc 60 Inc, so its disclosures are public and its stress trajectory is externally verifiable. The Homepride Bank score updates as fresh FDIC call reports post each quarter, so its 74/100 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, Homepride Bank is directly comparable to any lender in the country. Homepride Bank'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. Its footprint is compact and single-state: 28 ZIP codes in 3 counties over 1 states. It concentrates most in Missouri (3 counties). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 28 ZIP codes Homepride 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 combination of a elevated reading and a compact footprint is what makes Homepride Bank worth watching as a supply signal.

The acquisition angle is simple — lending capacity is what moves deals. As Homepride Bank 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.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.