Citizens Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

Citizens Bank&Trust Co (FDIC Cert #5469) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. 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.

DLRadar maps Citizens Bank&Trust Co into 3 counties (25 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Nebraska (3 counties). The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Howard County, NE, Merrick County, NE, Sherman County, NE, among others DLRadar tracks parcel by parcel. Because Citizens Bank&Trust Co is held under Howard County Land&Cattle Co, its financials are open to scrutiny and its trend can be independently checked. A elevated score on a footprint this size means the markets Citizens Bank&Trust Co touches inherit a corresponding share of that lending pressure. The value is in the linkage: Citizens Bank&Trust Co's elevated reading is mapped onto 25 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. Citizens Bank&Trust Co'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. The Citizens Bank&Trust Co score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Citizens Bank&Trust Co is directly comparable to any lender in the country.

The acquisition angle is simple — lending capacity is what moves deals. As Citizens Bank&Trust Co tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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.