Highland Bank: Bank Stress & Real-Estate Credit Exposure

At 99/100, Highland Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #16111. 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.

Highland 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. A severe score on a footprint this size means the markets Highland Bank touches inherit a corresponding share of that lending pressure. Highland Bank is held under Highland Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: Highland Bank's severe reading is mapped onto 180 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Highland Bank score updates as fresh FDIC call reports post each quarter, so its 99/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Highland Bank is directly comparable to any lender in the country. Highland Bank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 180 ZIP codes. The deepest footprints are Minnesota (5 counties). County by county, that footprint includes Hennepin County, MN, St. Louis County, MN, Ramsey County, MN, Washington County, MN, among others DLRadar tracks parcel by parcel.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Highland 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.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.