Banterra Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Banterra Bank (FDIC Cert #17514) registers 83/100 on DLRadar's scale — a severe 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 20-county reach, a severe score sets the credit tone for every market on its map. Because Banterra Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 83/100 reading stays current and directly comparable — a like-for-like number across 6 states and against any other institution. Banterra Bank is held under Banterra Corp, so its disclosures are public and its stress trajectory is externally verifiable. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Banterra Bank finances markets like Maricopa County, AZ, Salt Lake County, UT, Williamson County, IL, Jackson County, IL — the specific places where its credit posture translates into local lending capacity. Banterra Bank runs a mid-sized, multi-state real-estate lending footprint — 20 U.S. counties across 6 states, spanning 353 ZIP codes. The deepest footprints are Illinois (13 counties), Missouri (2 counties), Indiana (2 counties), Arizona (1 county). The value is in the linkage: Banterra Bank's severe reading is mapped onto 353 ZIP codes and 20 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. What separates this from a plain credit rating is the geographic weighting — Banterra Bank's 83/100 reading reflects not just its balance sheet but the 20 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Banterra Bank 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.

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. That lets you move ahead of the market, with each number sourced from public federal filings.