Solutions Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Solutions Bank (FDIC Cert #11741) at 82/100 for bank stress — a severe level of financial pressure. 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.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The value is in the linkage: Solutions Bank's severe reading is mapped onto 66 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 combination of a severe reading and a compact footprint is what makes Solutions Bank worth watching as a supply signal. Solutions Bank is held under High Point Finl Services Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its footprint is compact and single-state: 66 ZIP codes in 4 counties over 1 states. The deepest footprints are Illinois (4 counties). County by county, that footprint includes Ogle County, IL, Winnebago County, IL, Stephenson County, IL, Boone County, IL, among others DLRadar tracks parcel by parcel. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Solutions 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. Because Solutions Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 82/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Solutions 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. 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. The result is an early, auditable read on supply, every figure anchored to public data.