Intrust Bank National Assn: Bank Stress & Real-Estate Credit Exposure

At 72/100, Intrust Bank National Assn's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #4799. 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.

Read against its 12-county reach, a elevated score sets the credit tone for every market on its map. DLRadar does not model Intrust Bank National Assn in isolation: the 269-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 12 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Because Intrust Bank National Assn is held under Intrust Financial Corp, its financials are open to scrutiny and its trend can be independently checked. 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. County by county, that footprint includes Oklahoma County, OK, Sedgwick County, KS, Johnson County, KS, Shawnee County, KS, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Intrust Bank National Assn runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 12-county, 269-ZIP profile means exactly what it would for any institution nationwide. Intrust Bank National Assn runs a compact, regionally concentrated real-estate lending footprint — 12 U.S. counties across 3 states, spanning 269 ZIP codes. It concentrates most in Kansas (8 counties), Oklahoma (3 counties), Arkansas (1 county). Intrust Bank National Assn'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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Intrust Bank National Assn 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.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.