Arvest Bank: Bank Stress & Real-Estate Credit Exposure

At 85/100, Arvest Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #8728. 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.

Its lending reaches counties such as Jackson County, MO, Oklahoma County, OK, Tulsa County, OK, Pulaski County, AR, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Arvest Bank's 85/100 reading reflects not just its balance sheet but the 64 counties it lends into, so the score doubles as a map of where its stress will land first. The value is in the linkage: Arvest Bank's severe reading is mapped onto 890 ZIP codes and 64 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The Arvest Bank score updates as fresh FDIC call reports post each quarter, so its 85/100 reading and 64-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Arvest Bank is directly comparable to any lender in the country. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. A severe score on a footprint this size means the markets Arvest Bank touches inherit a corresponding share of that lending pressure. Arvest Bank is held under Arvest Bank Group Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps Arvest Bank into 64 counties (890 ZIP codes) across 4 states — a broad, multi-state lending base. Its heaviest exposure sits in Oklahoma (24 counties), Arkansas (20 counties), Missouri (17 counties), Kansas (3 counties).

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

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.