Southeast Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Southeast Bank (FDIC Cert #57348) at 81/100 for bank stress — a severe level of financial pressure. 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.

County by county, that footprint includes Hamilton County, TN, Knox County, TN, Mcminn County, TN, Putnam County, TN, among others DLRadar tracks parcel by parcel. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Southeast Bank'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. Over the trailing week its stress reading is 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. Rather than a standalone rating, the severe score is tied to real markets — every one of the 100 ZIP codes Southeast Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is compact and single-state: 100 ZIP codes in 8 counties over 1 states. It concentrates most in Tennessee (8 counties). The Southeast Bank score updates as fresh FDIC call reports post each quarter, so its 81/100 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, Southeast Bank is directly comparable to any lender in the country. Because Southeast Bank is held under Education Loan Finance Inc, its financials are open to scrutiny and its trend can be independently checked. Read against its 8-county reach, a severe score sets the credit tone for every market on its map.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Southeast 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. 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.