Star Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Star Bank (FDIC Cert #5095) registers 80/100 on DLRadar's scale — a severe reading. 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.

Star Bank is held under Midwest Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps Star Bank into 8 counties (138 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Minnesota (8 counties). The value is in the linkage: Star Bank's severe reading is mapped onto 138 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. What separates this from a plain credit rating is the geographic weighting — Star Bank's 80/100 reading reflects not just its balance sheet but the 8 counties it lends into, so the score doubles as a map of where its stress will land first. At the county level, Star Bank finances markets like Hennepin County, MN, Wright County, MN, Todd County, MN, Big Stone County, MN — the specific places where its credit posture translates into local lending capacity. The combination of a severe reading and a compact footprint is what makes Star Bank worth watching as a supply signal. The Star Bank score updates as fresh FDIC call reports post each quarter, so its 80/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Star Bank is directly comparable to any lender in the country. 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Star Bank 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. It is an early-warning read, flagging distress before it reaches the MLS.

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. The result is an early, auditable read on supply, every figure anchored to public data.