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

DLRadar scores Union Savings Bank (FDIC Cert #29121) at 92/100 for bank stress — a severe level of financial pressure. 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.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Union Savings Bank is held under Union Bancshares Mhc, its financials are open to scrutiny and its trend can be independently checked. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. What separates this from a plain credit rating is the geographic weighting — Union Savings Bank's 92/100 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. Union Savings Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 56 ZIP codes. Its heaviest exposure sits in Illinois (3 counties). At the county level, Union Savings Bank finances markets like Ogle County, IL, Stephenson County, IL, Boone County, IL — the specific places where its credit posture translates into local lending capacity. The Union Savings Bank score updates as fresh FDIC call reports post each quarter, so its 92/100 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, Union Savings Bank is directly comparable to any lender in the country. The value is in the linkage: Union Savings Bank's severe reading is mapped onto 56 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

The acquisition angle is simple — lending capacity is what moves deals. As Union Savings Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.