Auburnbank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Auburnbank (FDIC Cert #35) registers 79/100 on DLRadar's scale — a severe 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 Auburnbank is held under Auburn National Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. DLRadar does not model Auburnbank in isolation: the 29-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. 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. County by county, that footprint includes Lee County, AL, Macon County, AL, Chambers County, AL, among others DLRadar tracks parcel by parcel. Auburnbank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 29 ZIP codes. It concentrates most in Alabama (3 counties). No bank is too small to score the same way: Auburnbank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 29-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Auburnbank's 79/100 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.

For buyers, lender stress is an early map of supply: when Auburnbank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.