Hearthside Bank Corp: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Hearthside Bank Corp (FDIC Cert #31236) at 77/100 for bank stress — a severe 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 recent trend is 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. DLRadar does not model Hearthside Bank Corp in isolation: the 87-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Hearthside Bank Corp'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 5-county reach, a severe score sets the credit tone for every market on its map. Hearthside Bank Corp is held under Hfb Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Hearthside Bank Corp finances markets like Knox County, TN, Harlan County, KY, Bell County, KY, Campbell County, TN — the specific places where its credit posture translates into local lending capacity. Its footprint is compact and regionally concentrated: 87 ZIP codes in 5 counties over 2 states. It concentrates most in Tennessee (3 counties), Kentucky (2 counties). No bank is too small to score the same way: Hearthside Bank Corp runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 87-ZIP profile means exactly what it would for any institution nationwide.

The acquisition angle is simple — lending capacity is what moves deals. As Hearthside Bank Corp tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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.