Upstate National Bank: Bank Stress & Real-Estate Credit Exposure

At 90/100, Upstate National Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #13748. 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.

Upstate National Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 144 ZIP codes. The deepest footprints are New York (3 counties). 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. DLRadar does not model Upstate National Bank in isolation: the 144-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes St. Lawrence County, NY, Monroe County, NY, Jefferson County, NY, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Upstate National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 144-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Upstate National Bank's 90/100 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Upstate National Bank 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.