Farmers Savings Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Farmers Savings Bank (FDIC Cert #14807) registers 75/100 on DLRadar's scale — a severe 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.

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. The combination of a severe reading and a compact footprint is what makes Farmers Savings Bank worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Farmers Savings Bank'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. Farmers Savings Bank is held under Marjon Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Farmers Savings Bank in isolation: the 55-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. County by county, that footprint includes Clayton County, IA, Fayette County, IA, Delaware County, IA, among others DLRadar tracks parcel by parcel. Farmers Savings Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 55 ZIP codes. The deepest footprints are Iowa (3 counties). No bank is too small to score the same way: Farmers Savings Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 55-ZIP profile means exactly what it would for any institution nationwide.

The acquisition angle is simple — lending capacity is what moves deals. As Farmers Savings Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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. The result is an early, auditable read on supply, every figure anchored to public data.