Todays Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Todays Bank (FDIC Cert #33470) at 83/100 for bank stress — a severe level of financial pressure. 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.

At the county level, Todays Bank finances markets like Benton County, AR, Washington County, AR, Sebastian County, AR, Franklin County, AR — the specific places where its credit posture translates into local lending capacity. 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. The value is in the linkage: Todays Bank's severe reading is mapped onto 76 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. DLRadar maps Todays Bank into 6 counties (76 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Arkansas (6 counties). Because Todays Bank is held under Mathias Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Because Todays Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 83/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Todays 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. A severe score on a footprint this size means the markets Todays Bank touches inherit a corresponding share of that lending pressure.

For buyers, lender stress is an early map of supply: when Todays Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.