Peoplessouth Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Peoplessouth Bank (FDIC Cert #21292) at 71/100 for bank stress — a elevated 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.

No bank is too small to score the same way: Peoplessouth Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 22-county, 161-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 161 ZIP codes Peoplessouth Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. County by county, that footprint includes Bay County, FL, Jackson County, FL, Dale County, AL, Houston County, AL, among others DLRadar tracks parcel by parcel. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A elevated score on a footprint this size means the markets Peoplessouth Bank touches inherit a corresponding share of that lending pressure. Peoplessouth Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 22 U.S. counties across 3 states, spanning 161 ZIP codes. Its heaviest exposure sits in Georgia (9 counties), Florida (8 counties), Alabama (5 counties). Peoplessouth Bank is held under Peoplessouth Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. What separates this from a plain credit rating is the geographic weighting — Peoplessouth Bank's 71/100 reading reflects not just its balance sheet but the 22 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Peoplessouth 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.

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.