Bank Of The Valley: Bank Stress & Real-Estate Credit Exposure

Bank stress at Bank Of The Valley (FDIC Cert #25291) registers 76/100 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.

A severe score on a footprint this size means the markets Bank Of The Valley touches inherit a corresponding share of that lending pressure. At the county level, Bank Of The Valley finances markets like Butler County, NE, Platte County, NE, Colfax County, NE — the specific places where its credit posture translates into local lending capacity. 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. Bank Of The Valley'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. Bank Of The Valley runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 29 ZIP codes. It concentrates most in Nebraska (3 counties). DLRadar does not model Bank Of The Valley in isolation: the 29-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The Bank Of The Valley score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Bank Of The Valley is directly comparable to any lender in the country. Because Bank Of The Valley is held under Bellwood Community Holding Co, 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 Bank Of The Valley tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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. That lets you move ahead of the market, with each number sourced from public federal filings.