U S Bank National Assn: Bank Stress & Real-Estate Credit Exposure

At 67/100, U S Bank National Assn's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #6548. 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.

What separates this from a plain credit rating is the geographic weighting — U S Bank National Assn's 67/100 reading reflects not just its balance sheet but the 489 counties it lends into, so the score doubles as a map of where its stress will land first. Read against its 489-county reach, a elevated score sets the credit tone for every market on its map. U S Bank National Assn is held under U S Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. No bank is too small to score the same way: U S Bank National Assn runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 489-county, 9,120-ZIP profile means exactly what it would for any institution nationwide. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 9,120 ZIP codes U S Bank National Assn lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. DLRadar maps U S Bank National Assn into 489 counties (9,120 ZIP codes) across 28 states — a sprawling, nationally dispersed lending base. The deepest footprints are California (49 counties), Ohio (42 counties), Missouri (41 counties), Minnesota (29 counties). At the county level, U S Bank National Assn finances markets like Los Angeles County, CA, Cook County, IL, Harris County, TX, Maricopa County, AZ — the specific places where its credit posture translates into local lending capacity. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

The acquisition angle is simple — lending capacity is what moves deals. As U S Bank National Assn tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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. That lets you move ahead of the market, with each number sourced from public federal filings.