Jackson County Bank: Bank Stress & Real-Estate Credit Exposure

At 81/100, Jackson County Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #13109. 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. 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. DLRadar does not model Jackson County Bank in isolation: the 71-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 7 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Jackson County Bank runs a compact, single-state real-estate lending footprint — 7 U.S. counties across 1 state, spanning 71 ZIP codes. It concentrates most in Indiana (7 counties). A severe score on a footprint this size means the markets Jackson County Bank touches inherit a corresponding share of that lending pressure. What separates this from a plain credit rating is the geographic weighting — Jackson County Bank's 81/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. Jackson County Bank is held under Bancorp Of Southern Indiana, so its disclosures are public and its stress trajectory is externally verifiable. No bank is too small to score the same way: Jackson County Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 7-county, 71-ZIP profile means exactly what it would for any institution nationwide. County by county, that footprint includes Monroe County, IN, Bartholomew County, IN, Jennings County, IN, Johnson County, IN, among others DLRadar tracks parcel by parcel.

The acquisition angle is simple — lending capacity is what moves deals. As Jackson County Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.