Decatur County Bank: Bank Stress & Real-Estate Credit Exposure

Decatur County Bank (FDIC Cert #6101) carries a DLRadar bank-stress score of 79/100, a severe 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.

Its footprint is compact and single-state: 68 ZIP codes in 4 counties over 1 states. The deepest footprints are Tennessee (4 counties). The value is in the linkage: Decatur County Bank's severe reading is mapped onto 68 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A severe score on a footprint this size means the markets Decatur County Bank touches inherit a corresponding share of that lending pressure. The Decatur County Bank score updates as fresh FDIC call reports post each quarter, so its 79/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Decatur County Bank is directly comparable to any lender in the country. Its lending reaches counties such as Shelby County, TN, Madison County, TN, Decatur County, TN, Haywood County, TN, each tied back to DLRadar's distress signals. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Decatur County 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. Decatur County Bank is held under Decatur Bancshares Inc, so its disclosures are public and its stress trajectory is externally verifiable.

For buyers, lender stress is an early map of supply: when Decatur County 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.

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.