Bank Of Belleville: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Bank Of Belleville (FDIC Cert #58114) 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.

Bank Of Belleville runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 83 ZIP codes. The deepest footprints are Illinois (4 counties). The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Of Belleville'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. A severe score on a footprint this size means the markets Bank Of Belleville touches inherit a corresponding share of that lending pressure. Bank Of Belleville is held under Belleville Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. County by county, that footprint includes Madison County, IL, St. Clair County, IL, Clinton County, IL, Monroe County, IL, among others DLRadar tracks parcel by parcel. Rather than a standalone rating, the severe score is tied to real markets — every one of the 83 ZIP codes Bank Of Belleville lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Because Bank Of Belleville is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 81/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Bank Of Belleville 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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.