Security FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at Security FSB (FDIC Cert #28894) registers 75/100 on DLRadar's scale — a severe 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.

Its footprint is compact and single-state: 75 ZIP codes in 5 counties over 1 states. It concentrates most in Indiana (5 counties). What separates this from a plain credit rating is the geographic weighting — Security FSB's 75/100 reading reflects not just its balance sheet but the 5 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. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 5-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: Security FSB runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 75-ZIP profile means exactly what it would for any institution nationwide. County by county, that footprint includes Hamilton County, IN, Tippecanoe County, IN, Carroll County, IN, Cass County, IN, among others DLRadar tracks parcel by parcel. Because Security FSB is held under Security Federal Mutual Bcorp, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the severe score is tied to real markets — every one of the 75 ZIP codes Security FSB lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

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