Hanover Community Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Hanover Community Bank (FDIC Cert #58675) registers 78/100 on DLRadar's scale — a severe reading. 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.

Its footprint is compact and regionally concentrated: 403 ZIP codes in 6 counties over 2 states. It concentrates most in New York (5 counties), New Jersey (1 county). Hanover Community Bank is held under Hanover Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Hanover Community Bank worth watching as a supply signal. Hanover Community Bank'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 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 Suffolk County, NY, Nassau County, NY, New York County, NY, Queens County, NY, among others DLRadar tracks parcel by parcel. Because Hanover Community Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 78/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. Rather than a standalone rating, the severe score is tied to real markets — every one of the 403 ZIP codes Hanover Community Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

For buyers, lender stress is an early map of supply: when Hanover Community Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.