Community Nb&T: Bank Stress & Real-Estate Credit Exposure

Community Nb&T (FDIC Cert #27046) carries a DLRadar bank-stress score of 71/100, 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.

Its footprint is mid-sized and regionally concentrated: 261 ZIP codes in 20 counties over 3 states. It concentrates most in Kansas (13 counties), Missouri (6 counties), Oklahoma (1 county). Over the trailing week its stress reading is 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. Community Nb&T is held under Community Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its lending reaches counties such as Sedgwick County, KS, Butler County, KS, Johnson County, MO, Jasper County, MO, each tied back to DLRadar's distress signals. The combination of a elevated reading and a mid-sized footprint is what makes Community Nb&T worth watching as a supply signal. Because Community Nb&T is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 71/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Community Nb&T's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The value is in the linkage: Community Nb&T's elevated reading is mapped onto 261 ZIP codes and 20 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Community Nb&T 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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