Queensborough Nb&T Co: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Queensborough Nb&T Co (FDIC Cert #2138) at 76/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Queensborough Nb&T Co runs a compact, single-state real-estate lending footprint — 14 U.S. counties across 1 state, spanning 96 ZIP codes. Its heaviest exposure sits in Georgia (14 counties). 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. Read against its 14-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes Chatham County, GA, Emanuel County, GA, Bulloch County, GA, Richmond County, GA, among others DLRadar tracks parcel by parcel. Because Queensborough Nb&T Co is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 76/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. What separates this from a plain credit rating is the geographic weighting — Queensborough Nb&T Co's 76/100 reading reflects not just its balance sheet but the 14 counties it lends into, so the score doubles as a map of where its stress will land first. Because Queensborough Nb&T Co is held under Queensborough Co The, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Queensborough Nb&T Co in isolation: the 96-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 14 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Queensborough Nb&T Co 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.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.