Clarion Cnty Cmty Bank: Bank Stress & Real-Estate Credit Exposure

At 90/100, Clarion Cnty Cmty Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #57624. 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.

Rather than a standalone rating, the severe score is tied to real markets — every one of the 85 ZIP codes Clarion Cnty Cmty Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Clarion Cnty Cmty Bank is held under Cccb Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. Its lending reaches counties such as Erie County, PA, Clarion County, PA, Venango County, PA, each tied back to DLRadar's distress signals. Because Clarion Cnty Cmty Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 90/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Clarion Cnty Cmty 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. DLRadar maps Clarion Cnty Cmty Bank into 3 counties (85 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Pennsylvania (3 counties). Read against its 3-county reach, a severe score sets the credit tone for every market on its map.

For buyers, lender stress is an early map of supply: when Clarion Cnty Cmty Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.