Savannah Bank National Assn: Bank Stress & Real-Estate Credit Exposure

At 86/100, Savannah Bank National Assn's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #14619. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

County by county, that footprint includes Cayuga County, NY, Wayne County, NY, Seneca County, NY, among others DLRadar tracks parcel by parcel. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. Savannah Bank National Assn runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 58 ZIP codes. It concentrates most in New York (3 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Savannah Bank National Assn'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. The Savannah Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 86/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Savannah Bank National Assn is directly comparable to any lender in the country. 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 Savannah Bank National Assn in isolation: the 58-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.

For buyers, lender stress is an early map of supply: when Savannah Bank National Assn pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.