Grand Valley Bank: Bank Stress & Real-Estate Credit Exposure

Grand Valley Bank (FDIC Cert #24922) carries a DLRadar bank-stress score of 70/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. 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.

At the county level, Grand Valley Bank finances markets like Mesa County, CO, Uintah County, UT, Summit County, UT, Wasatch County, UT — the specific places where its credit posture translates into local lending capacity. Grand Valley Bank'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. Grand Valley Bank runs a compact, regionally concentrated real-estate lending footprint — 4 U.S. counties across 2 states, spanning 43 ZIP codes. Its heaviest exposure sits in Utah (3 counties), Colorado (1 county). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 43 ZIP codes Grand Valley Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The Grand Valley Bank score updates as fresh FDIC call reports post each quarter, so its 70/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Grand Valley Bank is directly comparable to any lender in the country. The combination of a elevated reading and a compact footprint is what makes Grand Valley Bank worth watching as a supply signal. Because Grand Valley Bank is held under Sagebrush Partners Lllp, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

For buyers, lender stress is an early map of supply: when Grand Valley Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

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. The result is an early, auditable read on supply, every figure anchored to public data.