Farmers Bank Frankfort In: Bank Stress & Real-Estate Credit Exposure

Bank stress at Farmers Bank Frankfort In (FDIC Cert #12828) registers 86/100 on DLRadar's scale — a severe reading. 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 DLRadar bank-stress score is a composite, not a single ratio: it weighs Farmers Bank Frankfort In'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. The value is in the linkage: Farmers Bank Frankfort In's severe reading is mapped onto 41 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. Its footprint is compact and single-state: 41 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Indiana (3 counties). No bank is too small to score the same way: Farmers Bank Frankfort In runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 41-ZIP profile means exactly what it would for any institution nationwide. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Farmers Bank Frankfort In is held under Farmers Bcorp Frankfort In The, so its disclosures are public and its stress trajectory is externally verifiable. A severe score on a footprint this size means the markets Farmers Bank Frankfort In touches inherit a corresponding share of that lending pressure. County by county, that footprint includes Hamilton County, IN, Boone County, IN, Clinton County, IN, among others DLRadar tracks parcel by parcel.

For buyers, lender stress is an early map of supply: when Farmers Bank Frankfort In 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.

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.