Tnbank: Bank Stress & Real-Estate Credit Exposure

At 81/100, Tnbank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #34023. 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 recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A severe score on a footprint this size means the markets Tnbank touches inherit a corresponding share of that lending pressure. Tnbank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 48 ZIP codes. Its heaviest exposure sits in Tennessee (3 counties). The Tnbank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Tnbank is directly comparable to any lender in the country. Rather than a standalone rating, the severe score is tied to real markets — every one of the 48 ZIP codes Tnbank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. What separates this from a plain credit rating is the geographic weighting — Tnbank's 81/100 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. Because Tnbank is held under Tennessee Valley Finl Holdings, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Knox County, TN, Blount County, TN, Anderson County, TN, each tied back to DLRadar's distress signals.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Tnbank 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. 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.