Hometown Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Hometown Bank (FDIC Cert #31028) at 81/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its footprint is compact and single-state: 85 ZIP codes in 7 counties over 1 states. The deepest footprints are Minnesota (7 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Hometown Bank'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. Read against its 7-county reach, a severe score sets the credit tone for every market on its map. The value is in the linkage: Hometown Bank's severe reading is mapped onto 85 ZIP codes and 7 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. At the county level, Hometown Bank finances markets like Redwood County, MN, Carver County, MN, Renville County, MN, Sibley County, MN — the specific places where its credit posture translates into local lending capacity. Hometown Bank is held under Redwood Financial Inc, so its disclosures are public and its stress trajectory is externally verifiable. 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 Hometown Bank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Hometown Bank is directly comparable to any lender in the country.

For buyers, lender stress is an early map of supply: when Hometown 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.

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.