Carroll Bank&Trust: Bank Stress & Real-Estate Credit Exposure

Bank stress at Carroll Bank&Trust (FDIC Cert #2380) registers 81/100 on DLRadar's scale — a severe reading. 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.

Rather than a standalone rating, the severe score is tied to real markets — every one of the 50 ZIP codes Carroll Bank&Trust lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Carroll Bank&Trust is held under Carroll Financial Services Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a severe reading and a compact footprint is what makes Carroll Bank&Trust worth watching as a supply signal. Carroll Bank&Trust's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. County by county, that footprint includes Carroll County, TN, Henderson County, TN, Gibson County, TN, Henry County, TN, among others DLRadar tracks parcel by parcel. 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. Because Carroll Bank&Trust is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 81/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Carroll Bank&Trust runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 50 ZIP codes. Its heaviest exposure sits in Tennessee (5 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Carroll Bank&Trust 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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.