Caldwell Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

At 71/100, Caldwell Bank&Trust Co's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #11785. 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.

Caldwell Bank&Trust Co runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 22 ZIP codes. The deepest footprints are Louisiana (4 counties). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 22 ZIP codes Caldwell Bank&Trust Co lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads 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. A elevated score on a footprint this size means the markets Caldwell Bank&Trust Co touches inherit a corresponding share of that lending pressure. Because Caldwell Bank&Trust Co is held under Caldwell Holding Co, its financials are open to scrutiny and its trend can be independently checked. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Caldwell Bank&Trust Co'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. At the county level, Caldwell Bank&Trust Co finances markets like Lasalle County, LA, Franklin County, LA, Caldwell County, LA, West Carroll County, LA — the specific places where its credit posture translates into local lending capacity. No bank is too small to score the same way: Caldwell Bank&Trust Co runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 22-ZIP profile means exactly what it would for any institution nationwide.

For buyers, lender stress is an early map of supply: when Caldwell Bank&Trust Co pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. The result is an early, auditable read on supply, every figure anchored to public data.