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

Androscoggin Savings Bank (FDIC Cert #17751) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

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, Androscoggin Savings Bank finances markets like Cumberland County, ME, Oxford County, ME, Franklin County, ME, Androscoggin County, ME — the specific places where its credit posture translates into local lending capacity. A elevated score on a footprint this size means the markets Androscoggin Savings Bank touches inherit a corresponding share of that lending pressure. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 102 ZIP codes Androscoggin Savings Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps Androscoggin Savings Bank into 4 counties (102 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Maine (4 counties). Androscoggin Savings Bank is held under Androscoggin Bcorp Mhc, so its disclosures are public and its stress trajectory is externally verifiable. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Androscoggin Savings Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Androscoggin Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 74/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

For buyers, lender stress is an early map of supply: when Androscoggin Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.