Citizens Nb Of Woodsfield: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Citizens Nb Of Woodsfield (FDIC Cert #6732) at 78/100 for bank stress — a severe level of financial pressure. 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.

At the county level, Citizens Nb Of Woodsfield finances markets like Belmont County, OH, Guernsey County, OH, Monroe County, OH — the specific places where its credit posture translates into local lending capacity. Because Citizens Nb Of Woodsfield is held under Cnb Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. The Citizens Nb Of Woodsfield score updates as fresh FDIC call reports post each quarter, so its 78/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Citizens Nb Of Woodsfield is directly comparable to any lender in the country. The combination of a severe reading and a compact footprint is what makes Citizens Nb Of Woodsfield worth watching as a supply signal. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Citizens Nb Of Woodsfield runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 60 ZIP codes. Its heaviest exposure sits in Ohio (3 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 60 ZIP codes Citizens Nb Of Woodsfield lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Citizens Nb Of Woodsfield'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 Citizens Nb Of Woodsfield pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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. The result is an early, auditable read on supply, every figure anchored to public data.