Pcsb Bank: Bank Stress & Real-Estate Credit Exposure

At 75/100, Pcsb Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #14522. 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.

DLRadar does not model Pcsb Bank in isolation: the 43-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Pcsb Bank is held under Whitmore Co Inc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Pcsb Bank finances markets like Page County, IA, Ringgold County, IA, Taylor County, IA, Union County, IA — the specific places where its credit posture translates into local lending capacity. Pcsb 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. DLRadar maps Pcsb Bank into 5 counties (43 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Iowa (5 counties). The recent trend 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. No bank is too small to score the same way: Pcsb Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 43-ZIP profile means exactly what it would for any institution nationwide. Read against its 5-county reach, a severe score sets the credit tone for every market on its map.

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

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.