Grant County Bank: Bank Stress & Real-Estate Credit Exposure

At 63/100, Grant County Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #11953. 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.

Grant County Bank runs a compact, single-state real-estate lending footprint — 6 U.S. counties across 1 state, spanning 64 ZIP codes. Its heaviest exposure sits in West Virginia (6 counties). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 64 ZIP codes Grant County Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A elevated score on a footprint this size means the markets Grant County Bank touches inherit a corresponding share of that lending pressure. Because Grant County Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 63/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. 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. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Grant County 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 Grant County Bank is held under Highlands Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked. At the county level, Grant County Bank finances markets like Randolph County, WV, Grant County, WV, Hardy County, WV, Tucker County, WV — the specific places where its credit posture translates into local lending capacity.

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

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.