Big Horn FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at Big Horn FSB (FDIC Cert #29637) registers 67/100 on DLRadar's scale — a elevated 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.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs Big Horn FSB's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The combination of a elevated reading and a compact footprint is what makes Big Horn FSB worth watching as a supply signal. DLRadar does not model Big Horn FSB in isolation: the 23-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. DLRadar maps Big Horn FSB into 4 counties (23 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Wyoming (4 counties). No bank is too small to score the same way: Big Horn FSB runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 23-ZIP profile means exactly what it would for any institution nationwide. 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. At the county level, Big Horn FSB finances markets like Big Horn County, WY, Park County, WY, Hot Springs County, WY, Washakie County, WY — the specific places where its credit posture translates into local lending capacity.

The acquisition angle is simple — lending capacity is what moves deals. As Big Horn FSB tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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.