Norway Savings Bank: Bank Stress & Real-Estate Credit Exposure

Norway Savings Bank (FDIC Cert #17658) carries a DLRadar bank-stress score of 56/100, a moderate 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.

Its footprint is compact and regionally concentrated: 161 ZIP codes in 6 counties over 2 states. Its heaviest exposure sits in Maine (5 counties), New Hampshire (1 county). The combination of a moderate reading and a compact footprint is what makes Norway Savings Bank worth watching as a supply signal. Norway Savings 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. The Norway Savings Bank score updates as fresh FDIC call reports post each quarter, so its 56/100 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, Norway Savings Bank is directly comparable to any lender in the country. Because Norway Savings Bank is held under Norway Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Norway Savings Bank in isolation: the 161-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Norway Savings Bank finances markets like Cumberland County, ME, York County, ME, Oxford County, ME, Carroll County, NH — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when Norway Savings 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.