Oconee State Bank: Bank Stress & Real-Estate Credit Exposure

At 77/100, Oconee State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #18143. 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.

Oconee State Bank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 57 ZIP codes. Its heaviest exposure sits in Georgia (5 counties). 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. A severe score on a footprint this size means the markets Oconee State Bank touches inherit a corresponding share of that lending pressure. Rather than a standalone rating, the severe score is tied to real markets — every one of the 57 ZIP codes Oconee State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Oconee State 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. Because Oconee State Bank is publicly traded (OSBK) under Oconee Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Gwinnett County, GA, Bibb County, GA, Clarke County, GA, Oconee County, GA, each tied back to DLRadar's distress signals. No bank is too small to score the same way: Oconee State Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 57-ZIP profile means exactly what it would for any institution nationwide.

The acquisition angle is simple — lending capacity is what moves deals. As Oconee State Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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. The result is an early, auditable read on supply, every figure anchored to public data.