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

At 81/100, Champlain National Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #7356. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Read against its 3-county reach, a severe score sets the credit tone for every market on its map. No bank is too small to score the same way: Champlain National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 80-ZIP profile means exactly what it would for any institution nationwide. DLRadar maps Champlain National Bank into 3 counties (80 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in New York (3 counties). County by county, that footprint includes Essex County, NY, Clinton County, NY, Franklin County, NY, among others DLRadar tracks parcel by parcel. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Champlain National Bank is held under Champlain Bank Corp, so its disclosures are public and its stress trajectory is externally verifiable. Champlain National Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The value is in the linkage: Champlain National Bank's severe reading is mapped onto 80 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.

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

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.