Pendleton Community Bank Inc: Bank Stress & Real-Estate Credit Exposure

Bank stress at Pendleton Community Bank Inc (FDIC Cert #6176) registers 71/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Pendleton Community Bank Inc'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. At the county level, Pendleton Community Bank Inc finances markets like Fayette County, WV, Raleigh County, WV, Augusta County, VA, Rockingham County, VA — the specific places where its credit posture translates into local lending capacity. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 10-county reach, a elevated score sets the credit tone for every market on its map. The value is in the linkage: Pendleton Community Bank Inc's elevated reading is mapped onto 177 ZIP codes and 10 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because Pendleton Community Bank Inc is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 71/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. DLRadar maps Pendleton Community Bank Inc into 10 counties (177 ZIP codes) across 2 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in West Virginia (6 counties), Virginia (4 counties). Because Pendleton Community Bank Inc is held under Allegheny Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Pendleton Community Bank Inc 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. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.