Commercial Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Commercial Bank (FDIC Cert #14642) registers 81/100 on DLRadar's scale — a severe reading. 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.

Commercial Bank is held under Commercial Bank Shares Inc, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Commercial Bank worth watching as a supply signal. At the county level, Commercial Bank finances markets like Greenville County, SC, Anderson County, SC, Abbeville County, SC, Greenwood County, SC — the specific places where its credit posture translates into local lending capacity. The Commercial Bank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Commercial Bank is directly comparable to any lender in the country. Commercial 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. Commercial Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 54 ZIP codes. Its heaviest exposure sits in South Carolina (4 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 54 ZIP codes Commercial Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As Commercial Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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. That lets you move ahead of the market, with each number sourced from public federal filings.