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

DLRadar scores Katahdin Trust Co (FDIC Cert #12874) at 74/100 for bank stress — a elevated level of financial pressure. 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.

County by county, that footprint includes Penobscot County, ME, Aroostook County, ME, Cumberland County, ME, among others DLRadar tracks parcel by parcel. The value is in the linkage: Katahdin Trust Co's elevated reading is mapped onto 123 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. What separates this from a plain credit rating is the geographic weighting — Katahdin Trust Co's 74/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. A elevated score on a footprint this size means the markets Katahdin Trust Co touches inherit a corresponding share of that lending pressure. Because Katahdin Trust Co is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 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. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Katahdin Trust Co is held under Katahdin Bankshares Corp, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps Katahdin Trust Co into 3 counties (123 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Maine (3 counties).

For buyers, lender stress is an early map of supply: when Katahdin 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.

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. That lets you move ahead of the market, with each number sourced from public federal filings.