Community Bank&Trust: Bank Stress & Real-Estate Credit Exposure

Community Bank&Trust (FDIC Cert #13068) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. 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.

Its footprint is compact and regionally concentrated: 54 ZIP codes in 4 counties over 2 states. It concentrates most in Missouri (3 counties), Kansas (1 county). Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Community Bank&Trust'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. Community Bank&Trust is held under Community Bancshares Employee Stk Ownership Plan, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a elevated reading and a compact footprint is what makes Community Bank&Trust worth watching as a supply signal. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 54 ZIP codes Community Bank&Trust lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its lending reaches counties such as Jasper County, MO, Mcdonald County, MO, Newton County, MO, Cherokee County, KS, each tied back to DLRadar's distress signals. Because Community Bank&Trust 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 2 states and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Community Bank&Trust 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.