Legacy Bank: Bank Stress & Real-Estate Credit Exposure

At 92/100, Legacy Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #4042. 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.

Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Legacy Bank is held under Midstate Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. What separates this from a plain credit rating is the geographic weighting — Legacy Bank's 92/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. Because Legacy Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 92/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Its footprint is compact and single-state: 113 ZIP codes in 6 counties over 1 states. Its heaviest exposure sits in Oklahoma (6 counties). The value is in the linkage: Legacy Bank's severe reading is mapped onto 113 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. A severe score on a footprint this size means the markets Legacy Bank touches inherit a corresponding share of that lending pressure. At the county level, Legacy Bank finances markets like Oklahoma County, OK, Caddo County, OK, Custer County, OK, Mcclain County, OK — the specific places where its credit posture translates into local lending capacity.

The acquisition angle is simple — lending capacity is what moves deals. As Legacy Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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.