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

Bank stress at Bank Of The Lowcountry (FDIC Cert #27496) registers 84/100 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.

Because Bank Of The Lowcountry is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 84/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Bank Of The Lowcountry is held under Communitycorp, its financials are open to scrutiny and its trend can be independently checked. The value is in the linkage: Bank Of The Lowcountry's severe reading is mapped onto 53 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. At the county level, Bank Of The Lowcountry finances markets like Charleston County, SC, Colleton County, SC, Jasper County, SC — the specific places where its credit posture translates into local lending capacity. Its footprint is compact and single-state: 53 ZIP codes in 3 counties over 1 states. It concentrates most in South Carolina (3 counties). Read against its 3-county reach, a severe score sets the credit tone for every market on its map. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Of The Lowcountry'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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Bank Of The Lowcountry 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. 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.