Somerville Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Somerville Bank (FDIC Cert #6700) registers 83/100 on DLRadar's scale — a severe 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 Somerville Bank is held under Somerville Bcorp, its financials are open to scrutiny and its trend can be independently checked. The value is in the linkage: Somerville Bank's severe reading is mapped onto 67 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Its lending reaches counties such as Montgomery County, OH, Butler County, OH, Preble County, OH, each tied back to DLRadar's distress signals. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. DLRadar maps Somerville Bank into 3 counties (67 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Ohio (3 counties). A severe score on a footprint this size means the markets Somerville Bank touches inherit a corresponding share of that lending pressure. No bank is too small to score the same way: Somerville Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 67-ZIP profile means exactly what it would for any institution nationwide. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Somerville 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.

For buyers, lender stress is an early map of supply: when Somerville Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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