Community Bank National Assn: Bank Stress & Real-Estate Credit Exposure

Community Bank National Assn (FDIC Cert #6989) carries a DLRadar bank-stress score of 68/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. 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.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs Community Bank National Assn'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. Community Bank National Assn is held under Community Financial System Inc, so its disclosures are public and its stress trajectory is externally verifiable. Community Bank National Assn runs a broad, multi-state real-estate lending footprint — 61 U.S. counties across 4 states, spanning 1,536 ZIP codes. It concentrates most in New York (42 counties), Vermont (12 counties), Pennsylvania (6 counties), Massachusetts (1 county). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 1,536 ZIP codes Community 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. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Community Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 68/100 reading and 61-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Community Bank National Assn is directly comparable to any lender in the country. A elevated score on a footprint this size means the markets Community Bank National Assn touches inherit a corresponding share of that lending pressure. County by county, that footprint includes Erie County, NY, Ulster County, NY, Onondaga County, NY, Oneida County, NY, among others DLRadar tracks parcel by parcel.

The acquisition angle is simple — lending capacity is what moves deals. As Community 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.

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.