22nd State Banking Co: Bank Stress & Real-Estate Credit Exposure

22nd State Banking Co (FDIC Cert #16910) carries a DLRadar bank-stress score of 75/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

What separates this from a plain credit rating is the geographic weighting — 22nd State Banking Co's 75/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Over the trailing week its stress reading 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. Rather than a standalone rating, the severe score is tied to real markets — every one of the 63 ZIP codes 22nd State Banking Co lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The combination of a severe reading and a compact footprint is what makes 22nd State Banking Co worth watching as a supply signal. 22nd State Banking Co is held under Feb Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, 22nd State Banking Co finances markets like Mobile County, AL, Geneva County, AL, Escambia County, AL — the specific places where its credit posture translates into local lending capacity. 22nd State Banking Co runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 63 ZIP codes. Its heaviest exposure sits in Alabama (3 counties). Because 22nd State Banking Co is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 75/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When 22nd State Banking Co 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. The result is an early, auditable read on supply, every figure anchored to public data.