Campbell&Fetter Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Campbell&Fetter Bank (FDIC Cert #16757) at 74/100 for bank stress — a elevated 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.

The value is in the linkage: Campbell&Fetter Bank's elevated reading is mapped onto 64 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 Campbell&Fetter Bank score updates as fresh FDIC call reports post each quarter, so its 74/100 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, Campbell&Fetter Bank is directly comparable to any lender in the country. Its lending reaches counties such as Kosciusko County, IN, Noble County, IN, Elkhart County, IN, Dekalb County, IN, each tied back to DLRadar's distress signals. Campbell&Fetter Bank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 64 ZIP codes. Its heaviest exposure sits in Indiana (5 counties). What separates this from a plain credit rating is the geographic weighting — Campbell&Fetter Bank's 74/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Campbell&Fetter Bank is held under C&F Banc Shares Corp, its financials are open to scrutiny and its trend can be independently checked. The combination of a elevated reading and a compact footprint is what makes Campbell&Fetter Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Campbell&Fetter 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.