Astra Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Astra Bank (FDIC Cert #17636) at 89/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Astra Bank finances markets like Republic County, KS, Clay County, NE, Dickinson County, KS, Ellis County, KS — the specific places where its credit posture translates into local lending capacity. The value is in the linkage: Astra Bank's severe reading is mapped onto 73 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The Astra Bank score updates as fresh FDIC call reports post each quarter, so its 89/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Astra Bank is directly comparable to any lender in the country. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Astra Bank is held under Astra Financial Group Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its footprint is compact and regionally concentrated: 73 ZIP codes in 6 counties over 2 states. The deepest footprints are Kansas (5 counties), Nebraska (1 county). Read against its 6-county reach, a severe score sets the credit tone for every market on its map. What separates this from a plain credit rating is the geographic weighting — Astra Bank's 89/100 reading reflects not just its balance sheet but the 6 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 Astra 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.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.