Tri-Valley Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Tri-Valley Bank (FDIC Cert #12417) registers 98/100 on DLRadar's scale — a severe reading. 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.

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 combination of a severe reading and a compact footprint is what makes Tri-Valley Bank worth watching as a supply signal. What separates this from a plain credit rating is the geographic weighting — Tri-Valley Bank's 98/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. The Tri-Valley Bank score updates as fresh FDIC call reports post each quarter, so its 98/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Tri-Valley Bank is directly comparable to any lender in the country. Its lending reaches counties such as Otoe County, NE, Page County, IA, Fremont County, IA, Mills County, IA, each tied back to DLRadar's distress signals. DLRadar does not model Tri-Valley Bank in isolation: the 50-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Tri-Valley Bank runs a compact, regionally concentrated real-estate lending footprint — 4 U.S. counties across 2 states, spanning 50 ZIP codes. The deepest footprints are Iowa (3 counties), Nebraska (1 county).

The acquisition angle is simple — lending capacity is what moves deals. As Tri-Valley Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.