Buckeye State Bank: Bank Stress & Real-Estate Credit Exposure

At 82/100, Buckeye State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #2286. 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.

Read against its 5-county reach, a severe score sets the credit tone for every market on its map. 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. At the county level, Buckeye State Bank finances markets like Franklin County, OH, Wood County, OH, Delaware County, OH, Logan County, OH — the specific places where its credit posture translates into local lending capacity. DLRadar does not model Buckeye State Bank in isolation: the 137-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. DLRadar maps Buckeye State Bank into 5 counties (137 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Ohio (5 counties). No bank is too small to score the same way: Buckeye State Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 137-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Buckeye State Bank's 82/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. Because Buckeye State Bank is held under Buckeye State Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

The acquisition angle is simple — lending capacity is what moves deals. As Buckeye State Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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.