Armor Bank: Bank Stress & Real-Estate Credit Exposure

Armor Bank (FDIC Cert #28812) carries a DLRadar bank-stress score of 78/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

Its lending reaches counties such as Pulaski County, AR, Benton County, AR, Craighead County, AR, St. Francis County, AR, each tied back to DLRadar's distress signals. Armor 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. DLRadar maps Armor Bank into 7 counties (115 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Arkansas (7 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 115 ZIP codes Armor 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 Armor Bank score updates as fresh FDIC call reports post each quarter, so its 78/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Armor Bank is directly comparable to any lender in the country. The combination of a severe reading and a compact footprint is what makes Armor Bank worth watching as a supply signal. Armor Bank is held under Big Creek Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable. The recent trend 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Armor Bank 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. 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. That lets you move ahead of the market, with each number sourced from public federal filings.