Alliant Bank: Bank Stress & Real-Estate Credit Exposure

Alliant Bank (FDIC Cert #1946) carries a DLRadar bank-stress score of 73/100, 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.

Alliant 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. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The value is in the linkage: Alliant Bank's elevated reading is mapped onto 47 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Read against its 4-county reach, a elevated score sets the credit tone for every market on its map. Because Alliant Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. County by county, that footprint includes Monroe County, MO, Cooper County, MO, Randolph County, MO, Adair County, MO, among others DLRadar tracks parcel by parcel. Alliant Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 47 ZIP codes. It concentrates most in Missouri (4 counties). Because Alliant Bank is held under Nemo Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Alliant 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. 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.