Flanagan State Bank: Bank Stress & Real-Estate Credit Exposure

At 94/100, Flanagan State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #11734. 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.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. What separates this from a plain credit rating is the geographic weighting — Flanagan State Bank's 94/100 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. DLRadar maps Flanagan State Bank into 4 counties (79 ZIP codes) across 2 states — a compact, regionally concentrated lending base. It concentrates most in Illinois (3 counties), Montana (1 county). The combination of a severe reading and a compact footprint is what makes Flanagan State Bank worth watching as a supply signal. Its lending reaches counties such as Mclean County, IL, Livingston County, IL, Woodford County, IL, Gallatin County, MT, each tied back to DLRadar's distress signals. No bank is too small to score the same way: Flanagan State Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 79-ZIP profile means exactly what it would for any institution nationwide. Because Flanagan State Bank is held under Hometown Financial Group Inc, its financials are open to scrutiny and its trend can be independently checked. The value is in the linkage: Flanagan State Bank's severe reading is mapped onto 79 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

The acquisition angle is simple — lending capacity is what moves deals. As Flanagan State Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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.