Security State Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Security State Bank (FDIC Cert #12592) at 84/100 for bank stress — a severe level of financial pressure. 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 Security State Bank worth watching as a supply signal. Security State 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. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because Security State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 84/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar maps Security State Bank into 4 counties (35 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Wyoming (4 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 35 ZIP codes Security State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. County by county, that footprint includes Big Horn County, WY, Sheridan County, WY, Campbell County, WY, Washakie County, WY, among others DLRadar tracks parcel by parcel. Security State Bank is held under Financial Security Corp, so its disclosures are public and its stress trajectory is externally verifiable.

For buyers, lender stress is an early map of supply: when Security State Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.