Outdoor Bank: Bank Stress & Real-Estate Credit Exposure

Outdoor Bank (FDIC Cert #17685) carries a DLRadar bank-stress score of 90/100, 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.

DLRadar does not model Outdoor Bank in isolation: the 102-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 10 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Outdoor Bank is held under Foote Financial Services Llc, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Outdoor Bank finances markets like Johnson County, KS, Riley County, KS, Graham County, KS, Pottawatomie County, KS — the specific places where its credit posture translates into local lending capacity. The combination of a severe reading and a compact footprint is what makes Outdoor Bank worth watching as a supply signal. What separates this from a plain credit rating is the geographic weighting — Outdoor Bank's 90/100 reading reflects not just its balance sheet but the 10 counties it lends into, so the score doubles as a map of where its stress will land first. Seven-day momentum reads 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. The Outdoor Bank score updates as fresh FDIC call reports post each quarter, so its 90/100 reading and 10-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Outdoor Bank is directly comparable to any lender in the country. Outdoor Bank runs a compact, single-state real-estate lending footprint — 10 U.S. counties across 1 state, spanning 102 ZIP codes. It concentrates most in Kansas (10 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Outdoor Bank 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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