Ks Bank Inc: Bank Stress & Real-Estate Credit Exposure

Bank stress at Ks Bank Inc (FDIC Cert #29771) registers 69/100 on DLRadar's scale — a elevated reading. 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.

The combination of a elevated reading and a compact footprint is what makes Ks Bank Inc worth watching as a supply signal. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Ks Bank Inc'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. Ks Bank Inc is held under Ks Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. The Ks Bank Inc score updates as fresh FDIC call reports post each quarter, so its 69/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Ks Bank Inc is directly comparable to any lender in the country. Its lending reaches counties such as Wake County, NC, Johnston County, NC, Harnett County, NC, Wilson County, NC, each tied back to DLRadar's distress signals. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The value is in the linkage: Ks Bank Inc's elevated reading is mapped onto 90 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Ks Bank Inc runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 90 ZIP codes. Its heaviest exposure sits in North Carolina (5 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Ks Bank Inc 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. It is an early-warning read, flagging distress before it reaches the MLS.

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.