Quaint Oak Bank: Bank Stress & Real-Estate Credit Exposure

At 79/100, Quaint Oak Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #35497. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Its footprint is compact and single-state: 142 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Pennsylvania (3 counties). Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. At the county level, Quaint Oak Bank finances markets like Bucks County, PA, Philadelphia County, PA, Lehigh County, PA — the specific places where its credit posture translates into local lending capacity. A severe score on a footprint this size means the markets Quaint Oak Bank touches inherit a corresponding share of that lending pressure. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Quaint Oak Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Rather than a standalone rating, the severe score is tied to real markets — every one of the 142 ZIP codes Quaint Oak Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. No bank is too small to score the same way: Quaint Oak Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 142-ZIP profile means exactly what it would for any institution nationwide. Quaint Oak Bank is held under Quaint Oak Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable.

The acquisition angle is simple — lending capacity is what moves deals. As Quaint Oak 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. That lets you move ahead of the market, with each number sourced from public federal filings.