Pike National Bank: Bank Stress & Real-Estate Credit Exposure

At 69/100, Pike National Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #26379. 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.

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. Because Pike National Bank is held under Pcnb Corp, its financials are open to scrutiny and its trend can be independently checked. At the county level, Pike National Bank finances markets like Lincoln County, MS, Pike County, MS, Walthall County, MS — the specific places where its credit posture translates into local lending capacity. What separates this from a plain credit rating is the geographic weighting — Pike National Bank's 69/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 20 ZIP codes Pike National 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 Pike National Bank score updates as fresh FDIC call reports post each quarter, so its 69/100 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, Pike National Bank is directly comparable to any lender in the country. A elevated score on a footprint this size means the markets Pike National Bank touches inherit a corresponding share of that lending pressure. Its footprint is compact and single-state: 20 ZIP codes in 3 counties over 1 states. It concentrates most in Mississippi (3 counties).

The acquisition angle is simple — lending capacity is what moves deals. As Pike National 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.