Availa Bank: Bank Stress & Real-Estate Credit Exposure

Availa Bank (FDIC Cert #11771) carries a DLRadar bank-stress score of 75/100, 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.

The combination of a severe reading and a compact footprint is what makes Availa Bank worth watching as a supply signal. DLRadar does not model Availa Bank in isolation: the 180-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 9 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. 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. What separates this from a plain credit rating is the geographic weighting — Availa Bank's 75/100 reading reflects not just its balance sheet but the 9 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar maps Availa Bank into 9 counties (180 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Iowa (9 counties). Its lending reaches counties such as Polk County, IA, Woodbury County, IA, Pottawattamie County, IA, Story County, IA, each tied back to DLRadar's distress signals. Because Availa Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 75/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Availa Bank is held under Carroll County Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Availa 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.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.