Consumers National Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Consumers National Bank (FDIC Cert #19482) at 82/100 for bank stress — a severe level of financial pressure. 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.

The value is in the linkage: Consumers National Bank's severe reading is mapped onto 137 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Consumers National Bank is held under Consumers Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. 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. Consumers National 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. At the county level, Consumers National Bank finances markets like Stark County, OH, Summit County, OH, Columbiana County, OH, Jefferson County, OH — the specific places where its credit posture translates into local lending capacity. The Consumers National Bank score updates as fresh FDIC call reports post each quarter, so its 82/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Consumers National Bank is directly comparable to any lender in the country. Its footprint is compact and single-state: 137 ZIP codes in 5 counties over 1 states. It concentrates most in Ohio (5 counties). A severe score on a footprint this size means the markets Consumers National Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when Consumers National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.