Stockman Bank Of Montana: Bank Stress & Real-Estate Credit Exposure

Bank stress at Stockman Bank Of Montana (FDIC Cert #16191) registers 53/100 on DLRadar's scale — a moderate 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.

Read against its 22-county reach, a moderate score sets the credit tone for every market on its map. No bank is too small to score the same way: Stockman Bank Of Montana runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 22-county, 194-ZIP profile means exactly what it would for any institution nationwide. Its lending reaches counties such as Cascade County, MT, Missoula County, MT, Flathead County, MT, Yellowstone County, MT, each tied back to DLRadar's distress signals. DLRadar does not model Stockman Bank Of Montana in isolation: the 194-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 22 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. Stockman Bank Of Montana is held under Stockman Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Stockman Bank Of Montana runs a mid-sized, single-state real-estate lending footprint — 22 U.S. counties across 1 state, spanning 194 ZIP codes. Its heaviest exposure sits in Montana (22 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Stockman Bank Of Montana'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.

For buyers, lender stress is an early map of supply: when Stockman Bank Of Montana pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.