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

DLRadar scores Kingston National Bank (FDIC Cert #6616) at 82/100 for bank stress — a severe level of financial pressure. 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.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The combination of a severe reading and a compact footprint is what makes Kingston National Bank worth watching as a supply signal. Its footprint is compact and single-state: 43 ZIP codes in 3 counties over 1 states. It concentrates most in Ohio (3 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 43 ZIP codes Kingston National Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. County by county, that footprint includes Fairfield County, OH, Pickaway County, OH, Ross County, OH, among others DLRadar tracks parcel by parcel. No bank is too small to score the same way: Kingston National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 43-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Kingston National Bank's 82/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Because Kingston National Bank is held under Kingston Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked.

The acquisition angle is simple — lending capacity is what moves deals. As Kingston 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. The result is an early, auditable read on supply, every figure anchored to public data.