Community Finl Services Bk: Bank Stress & Real-Estate Credit Exposure

At 76/100, Community Finl Services Bk's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #287. 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.

DLRadar maps Community Finl Services Bk into 4 counties (27 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Kentucky (4 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. What separates this from a plain credit rating is the geographic weighting — Community Finl Services Bk's 76/100 reading reflects not just its balance sheet but the 4 counties it lends into, so the score doubles as a map of where its stress will land first. Rather than a standalone rating, the severe score is tied to real markets — every one of the 27 ZIP codes Community Finl Services Bk lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The combination of a severe reading and a compact footprint is what makes Community Finl Services Bk worth watching as a supply signal. The Community Finl Services Bk score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Community Finl Services Bk is directly comparable to any lender in the country. Community Finl Services Bk is held under Community Finl Services Employee Stk Ownership Plan, so its disclosures are public and its stress trajectory is externally verifiable. Its lending reaches counties such as Graves County, KY, Calloway County, KY, Marshall County, KY, Mccracken County, KY, each tied back to DLRadar's distress signals.

For buyers, lender stress is an early map of supply: when Community Finl Services Bk 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.

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. That lets you move ahead of the market, with each number sourced from public federal filings.