Quill Bank: Bank Stress & Real-Estate Credit Exposure

At 25/100, Quill Bank's DLRadar bank-stress reading is contained; the institution is filed under FDIC Cert #33823. 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.

The value is in the linkage: Quill Bank's contained reading is mapped onto 88 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. What separates this from a plain credit rating is the geographic weighting — Quill Bank's 25/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. County by county, that footprint includes Salt Lake County, UT, Utah County, UT, Washington County, UT, among others DLRadar tracks parcel by parcel. Because Quill Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 25/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 3-county reach, a contained score sets the credit tone for every market on its map. 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. Because Quill Bank is held under Quill Financial Inc, its financials are open to scrutiny and its trend can be independently checked. Quill Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 88 ZIP codes. The deepest footprints are Utah (3 counties).

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