Academy Bank National Assn: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Academy Bank National Assn (FDIC Cert #19600) at 53/100 for bank stress — a moderate level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

What separates this from a plain credit rating is the geographic weighting — Academy Bank National Assn's 53/100 reading reflects not just its balance sheet but the 28 counties it lends into, so the score doubles as a map of where its stress will land first. 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. Academy Bank National Assn is held under Dickinson Financial Corp Ii, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Academy Bank National Assn in isolation: the 787-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 28 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. Academy Bank National Assn runs a mid-sized, multi-state real-estate lending footprint — 28 U.S. counties across 5 states, spanning 787 ZIP codes. It concentrates most in Missouri (13 counties), Colorado (8 counties), Arizona (4 counties), Kansas (2 counties). The Academy Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 53/100 reading and 28-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Academy Bank National Assn is directly comparable to any lender in the country. Its lending reaches counties such as Maricopa County, AZ, Jackson County, MO, Pima County, AZ, El Paso County, CO, each tied back to DLRadar's distress signals. The combination of a moderate reading and a mid-sized footprint is what makes Academy Bank National Assn worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Academy Bank National Assn 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. The result is an early, auditable read on supply, every figure anchored to public data.