Arthur State Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Arthur State Bank (FDIC Cert #15085) at 79/100 for bank stress — a severe level of financial pressure. 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.

A severe score on a footprint this size means the markets Arthur State Bank touches inherit a corresponding share of that lending pressure. DLRadar does not model Arthur State Bank in isolation: the 125-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 7 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Its lending reaches counties such as Spartanburg County, SC, Greenville County, SC, Richland County, SC, Lexington County, SC, each tied back to DLRadar's distress signals. Arthur State 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. Because Arthur State Bank is held under Jco Ventures Llc, its financials are open to scrutiny and its trend can be independently checked. DLRadar maps Arthur State Bank into 7 counties (125 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in South Carolina (7 counties). The Arthur State Bank score updates as fresh FDIC call reports post each quarter, so its 79/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Arthur State Bank is directly comparable to any lender in the country. 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Arthur State 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. It is an early-warning read, flagging distress before it reaches the MLS.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.