Morgantown Bank&Trust Co Inc: Bank Stress & Real-Estate Credit Exposure

Bank stress at Morgantown Bank&Trust Co Inc (FDIC Cert #275) registers 82/100 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.

Its footprint is compact and single-state: 34 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Kentucky (3 counties). What separates this from a plain credit rating is the geographic weighting — Morgantown Bank&Trust Co Inc's 82/100 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. 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. DLRadar does not model Morgantown Bank&Trust Co Inc in isolation: the 34-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. At the county level, Morgantown Bank&Trust Co Inc finances markets like Ohio County, KY, Butler County, KY, Warren County, KY — the specific places where its credit posture translates into local lending capacity. Because Morgantown Bank&Trust Co Inc is held under Morgantown Deposit Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. No bank is too small to score the same way: Morgantown Bank&Trust Co Inc runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 34-ZIP profile means exactly what it would for any institution nationwide.

For buyers, lender stress is an early map of supply: when Morgantown Bank&Trust Co Inc pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.