Huntington FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at Huntington FSB (FDIC Cert #27884) registers 69/100 on DLRadar's scale — a elevated reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

DLRadar maps Huntington FSB into 3 counties (44 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in West Virginia (3 counties). 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. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 44 ZIP codes Huntington FSB lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The Huntington FSB 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, Huntington FSB is directly comparable to any lender in the country. A elevated score on a footprint this size means the markets Huntington FSB touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Putnam County, WV, Wayne County, WV, Cabell County, WV, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Huntington FSB'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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Huntington FSB 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.