Nsb Bank: Bank Stress & Real-Estate Credit Exposure

At 78/100, Nsb Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #8094. 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.

Nsb Bank is held under Northwood Finl Services Corp, so its disclosures are public and its stress trajectory is externally verifiable. The value is in the linkage: Nsb Bank's severe reading is mapped onto 49 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. At the county level, Nsb Bank finances markets like Kossuth County, IA, Cerro Gordo County, IA, Winnebago County, IA, Worth County, IA — the specific places where its credit posture translates into local lending capacity. The Nsb Bank score updates as fresh FDIC call reports post each quarter, so its 78/100 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, Nsb Bank is directly comparable to any lender in the country. Read against its 4-county reach, a severe score sets the credit tone for every market on its map. DLRadar maps Nsb Bank into 4 counties (49 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Iowa (4 counties). 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. Nsb 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Nsb Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.