Home Bank Sb: Bank Stress & Real-Estate Credit Exposure

At 80/100, Home Bank Sb's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #29881. 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.

Because Home Bank Sb is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 80/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. A severe score on a footprint this size means the markets Home Bank Sb touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Hendricks County, IN, Morgan County, IN, Johnson County, IN, each tied back to DLRadar's distress signals. Its footprint is compact and single-state: 38 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Indiana (3 counties). DLRadar does not model Home Bank Sb in isolation: the 38-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. 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. What separates this from a plain credit rating is the geographic weighting — Home Bank Sb's 80/100 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.

The acquisition angle is simple — lending capacity is what moves deals. As Home Bank Sb 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.