Bom Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Bom Bank (FDIC Cert #1373) registers 69/100 on DLRadar's scale — a elevated reading. 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.

At the county level, Bom Bank finances markets like Rapides County, LA, Montgomery County, TX, Caddo County, LA, Natchitoches County, LA — the specific places where its credit posture translates into local lending capacity. Bom Bank is held under Grant Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Bom Bank in isolation: the 166-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. No bank is too small to score the same way: Bom Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 166-ZIP profile means exactly what it would for any institution nationwide. Bom 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. 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. Bom Bank runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 2 states, spanning 166 ZIP codes. Its heaviest exposure sits in Louisiana (7 counties), Texas (5 counties). A elevated score on a footprint this size means the markets Bom Bank touches inherit a corresponding share of that lending pressure.

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

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. The result is an early, auditable read on supply, every figure anchored to public data.