Peoples Savings Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Peoples Savings Bank (FDIC Cert #34973) at 81/100 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 value is in the linkage: Peoples Savings Bank's severe reading is mapped onto 51 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because Peoples Savings Bank is held under Central South Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Because Peoples Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 81/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. At the county level, Peoples Savings Bank finances markets like Warren County, IA, Marion County, IA, Wayne County, IA, Lucas County, IA — the specific places where its credit posture translates into local lending capacity. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. Peoples Savings Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Its footprint is compact and single-state: 51 ZIP codes in 4 counties over 1 states. Its heaviest exposure sits in Iowa (4 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Peoples Savings 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.