Bruning Bank: Bank Stress & Real-Estate Credit Exposure

Bruning Bank (FDIC Cert #18748) carries a DLRadar bank-stress score of 69/100, 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.

Bruning 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. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 67 ZIP codes Bruning Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The combination of a elevated reading and a compact footprint is what makes Bruning Bank worth watching as a supply signal. Bruning Bank is held under Bruning Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. Bruning Bank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 67 ZIP codes. It concentrates most in Nebraska (5 counties). Its lending reaches counties such as Custer County, NE, Thayer County, NE, Buffalo County, NE, Hall County, NE, each tied back to DLRadar's distress signals. 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. Because Bruning Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 69/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

The acquisition angle is simple — lending capacity is what moves deals. As Bruning 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. That lets you move ahead of the market, with each number sourced from public federal filings.