Lumbee Guaranty Bank: Bank Stress & Real-Estate Credit Exposure

At 78/100, Lumbee Guaranty Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #20568. 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.

No bank is too small to score the same way: Lumbee Guaranty Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 41-ZIP profile means exactly what it would for any institution nationwide. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. A severe score on a footprint this size means the markets Lumbee Guaranty Bank touches inherit a corresponding share of that lending pressure. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Lumbee Guaranty Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Rather than a standalone rating, the severe score is tied to real markets — every one of the 41 ZIP codes Lumbee Guaranty Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Lumbee Guaranty Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 41 ZIP codes. Its heaviest exposure sits in North Carolina (3 counties). County by county, that footprint includes Cumberland County, NC, Robeson County, NC, Hoke County, NC, among others DLRadar tracks parcel by parcel.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Lumbee Guaranty 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.