Fcnb Bank: Bank Stress & Real-Estate Credit Exposure

Fcnb Bank (FDIC Cert #1639) carries a DLRadar bank-stress score of 88/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The value is in the linkage: Fcnb Bank's severe reading is mapped onto 88 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Its footprint is compact and single-state: 88 ZIP codes in 4 counties over 1 states. The deepest footprints are Missouri (4 counties). Because Fcnb Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 88/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. 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. Fcnb Bank is held under Steelville Cmty Banc-Shares, so its disclosures are public and its stress trajectory is externally verifiable. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. At the county level, Fcnb Bank finances markets like St. Louis County, MO, Franklin County, MO, Crawford County, MO, Phelps County, MO — the specific places where its credit posture translates into local lending capacity. Fcnb 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.

For buyers, lender stress is an early map of supply: when Fcnb Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.