Homestead Savings Bank: Bank Stress & Real-Estate Credit Exposure

At 78/100, Homestead Savings Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #28667. 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.

Rather than a standalone rating, the severe score is tied to real markets — every one of the 65 ZIP codes Homestead Savings 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 Homestead Savings Bank score updates as fresh FDIC call reports post each quarter, so its 78/100 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, Homestead Savings Bank is directly comparable to any lender in the country. County by county, that footprint includes Jackson County, MI, Ingham County, MI, Calhoun County, MI, among others DLRadar tracks parcel by parcel. A severe score on a footprint this size means the markets Homestead Savings Bank touches inherit a corresponding share of that lending pressure. Homestead Savings Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 65 ZIP codes. It concentrates most in Michigan (3 counties). Homestead Savings Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when Homestead Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.