Mcnb Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

Bank stress at Mcnb Bank&Trust Co (FDIC Cert #6803) registers 67/100 on DLRadar's scale — a elevated 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.

At the county level, Mcnb Bank&Trust Co finances markets like Raleigh County, WV, Mcdowell County, WV, Mercer County, WV, Tazewell County, VA — the specific places where its credit posture translates into local lending capacity. Mcnb Bank&Trust Co is held under Mcnb Banks Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Mcnb Bank&Trust Co in isolation: the 117-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The Mcnb Bank&Trust Co score updates as fresh FDIC call reports post each quarter, so its 67/100 reading and 4-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Mcnb Bank&Trust Co is directly comparable to any lender in the country. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A elevated score on a footprint this size means the markets Mcnb Bank&Trust Co touches inherit a corresponding share of that lending pressure. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Mcnb Bank&Trust Co'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. DLRadar maps Mcnb Bank&Trust Co into 4 counties (117 ZIP codes) across 2 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in West Virginia (3 counties), Virginia (1 county).

The acquisition angle is simple — lending capacity is what moves deals. As Mcnb Bank&Trust Co tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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.