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

Bank stress at Community National Bank (FDIC Cert #6271) registers 54/100 on DLRadar's scale — a moderate 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.

Because Community National Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 54/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. DLRadar does not model Community National Bank in isolation: the 104-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 6 counties, so a shift in the bank's moderate posture can be read directly against on-the-ground distress. County by county, that footprint includes Washington County, VT, Orleans County, VT, Caledonia County, VT, Franklin County, VT, among others DLRadar tracks parcel by parcel. The combination of a moderate reading and a compact footprint is what makes Community National Bank worth watching as a supply signal. 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. DLRadar maps Community National Bank into 6 counties (104 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Vermont (6 counties). Because Community National Bank is held under Community Bcorp, its financials are open to scrutiny and its trend can be independently checked. Community National 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 acquisition angle is simple — lending capacity is what moves deals. As Community National Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. That lets you move ahead of the market, with each number sourced from public federal filings.