Commercial Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Commercial Bank (FDIC Cert #11777) at 85/100 for bank stress — a severe 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.

Because Commercial Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 85/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. At the county level, Commercial Bank finances markets like Labette County, KS, Montgomery County, KS, Neosho County, KS — the specific places where its credit posture translates into local lending capacity. The value is in the linkage: Commercial Bank's severe reading is mapped onto 30 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A severe score on a footprint this size means the markets Commercial Bank touches inherit a corresponding share of that lending pressure. Its footprint is compact and single-state: 30 ZIP codes in 3 counties over 1 states. The deepest footprints are Kansas (3 counties). Commercial 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. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Commercial 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. That lets you move ahead of the market, with each number sourced from public federal filings.