Landmark Bank: Bank Stress & Real-Estate Credit Exposure

At 73/100, Landmark Bank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #307. 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.

What separates this from a plain credit rating is the geographic weighting — Landmark Bank's 73/100 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. The value is in the linkage: Landmark Bank's elevated reading is mapped onto 44 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. DLRadar maps Landmark Bank into 4 counties (44 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Louisiana (4 counties). The Landmark Bank score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Landmark Bank is directly comparable to any lender in the country. A elevated score on a footprint this size means the markets Landmark Bank touches inherit a corresponding share of that lending pressure. At the county level, Landmark Bank finances markets like East Baton Rouge County, LA, East Feliciana County, LA, St. Helena County, LA, West Baton Rouge County, LA — the specific places where its credit posture translates into local lending capacity. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Landmark Bank is held under Clinton Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

For buyers, lender stress is an early map of supply: when Landmark Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.