D L Evans Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at D L Evans Bank (FDIC Cert #11666) registers 66/100 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.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs D L Evans 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. D L Evans Bank is held under D L Evans Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. 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. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 232 ZIP codes D L Evans Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A elevated score on a footprint this size means the markets D L Evans Bank touches inherit a corresponding share of that lending pressure. Because D L Evans Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 66/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. At the county level, D L Evans Bank finances markets like Salt Lake County, UT, Utah County, UT, Box Elder County, UT, Ada County, ID — the specific places where its credit posture translates into local lending capacity. D L Evans Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 19 U.S. counties across 2 states, spanning 232 ZIP codes. Its heaviest exposure sits in Idaho (13 counties), Utah (6 counties).

For buyers, lender stress is an early map of supply: when D L Evans Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.