Bank Of Zachary: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Bank Of Zachary (FDIC Cert #306) at 73/100 for bank stress — a elevated 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.

The combination of a elevated reading and a compact footprint is what makes Bank Of Zachary worth watching as a supply signal. DLRadar does not model Bank Of Zachary in isolation: the 50-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 elevated posture can be read directly against on-the-ground distress. Because Bank Of Zachary is held under Zachary Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Because Bank Of Zachary is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. County by county, that footprint includes East Baton Rouge County, LA, Livingston County, LA, West Feliciana County, LA, among others DLRadar tracks parcel by parcel. Its footprint is compact and single-state: 50 ZIP codes in 3 counties over 1 states. The deepest footprints are Louisiana (3 counties). Bank Of Zachary's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. 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.

For buyers, lender stress is an early map of supply: when Bank Of Zachary pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. The result is an early, auditable read on supply, every figure anchored to public data.