Bank Of Franklin County: Bank Stress & Real-Estate Credit Exposure

Bank Of Franklin County (FDIC Cert #35543) carries a DLRadar bank-stress score of 80/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

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. The value is in the linkage: Bank Of Franklin County's severe reading is mapped onto 83 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. Its lending reaches counties such as St. Louis County, MO, Franklin County, MO, St. Charles County, MO, each tied back to DLRadar's distress signals. Its footprint is compact and single-state: 83 ZIP codes in 3 counties over 1 states. The deepest footprints are Missouri (3 counties). Because Bank Of Franklin County is held under Franklin Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Because Bank Of Franklin County is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 80/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Of Franklin County'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. Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

For buyers, lender stress is an early map of supply: when Bank Of Franklin County pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.