Madison Valley Bank: Bank Stress & Real-Estate Credit Exposure

At 73/100, Madison Valley Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #19544. 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.

Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 32 ZIP codes Madison Valley Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. What separates this from a plain credit rating is the geographic weighting — Madison Valley Bank's 73/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. DLRadar maps Madison Valley Bank into 3 counties (32 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Montana (3 counties). Because Madison Valley Bank is held under Jackass Creek Land&Livestock, its financials are open to scrutiny and its trend can be independently checked. The Madison Valley Bank score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Madison Valley Bank is directly comparable to any lender in the country. Its lending reaches counties such as Madison County, MT, Gallatin County, MT, Jefferson County, MT, each tied back to DLRadar's distress signals.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Madison Valley 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. 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. The result is an early, auditable read on supply, every figure anchored to public data.