Starion Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Starion Bank (FDIC Cert #33758) registers 73/100 on DLRadar's scale — a elevated reading. 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.

Because Starion Bank is held under Starion Bcorp, its financials are open to scrutiny and its trend can be independently checked. A elevated score on a footprint this size means the markets Starion Bank touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Dane County, WI, Cass County, ND, Bottineau County, ND, Burleigh County, ND, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Starion Bank's 73/100 reading reflects not just its balance sheet but the 7 counties it lends into, so the score doubles as a map of where its stress will land first. Starion Bank runs a compact, regionally concentrated real-estate lending footprint — 7 U.S. counties across 2 states, spanning 128 ZIP codes. The deepest footprints are North Dakota (6 counties), Wisconsin (1 county). Because Starion Bank 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 2 states and against any other institution. The value is in the linkage: Starion Bank's elevated reading is mapped onto 128 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. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Starion Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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. The result is an early, auditable read on supply, every figure anchored to public data.