Cfsbank: Bank Stress & Real-Estate Credit Exposure

Cfsbank (FDIC Cert #29672) carries a DLRadar bank-stress score of 87/100, 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.

What separates this from a plain credit rating is the geographic weighting — Cfsbank's 87/100 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. Cfsbank is held under Charleroi Financial Mhc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps Cfsbank into 4 counties (248 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Pennsylvania (4 counties). The value is in the linkage: Cfsbank's severe reading is mapped onto 248 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Cfsbank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 87/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. County by county, that footprint includes Westmoreland County, PA, Fayette County, PA, Washington County, PA, Butler County, PA, among others DLRadar tracks parcel by parcel. Over the trailing week its stress reading 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.

For buyers, lender stress is an early map of supply: when Cfsbank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.