Sullivan Bank: Bank Stress & Real-Estate Credit Exposure

Sullivan Bank (FDIC Cert #8892) carries a DLRadar bank-stress score of 73/100, 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.

Sullivan 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. Sullivan Bank runs a compact, single-state real-estate lending footprint — 6 U.S. counties across 1 state, spanning 129 ZIP codes. Its heaviest exposure sits in Missouri (6 counties). Sullivan Bank is held under Mid-Missouri Holding Co Inc, so its disclosures are public and its stress trajectory is externally verifiable. Because Sullivan Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. At the county level, Sullivan Bank finances markets like St. Louis County, MO, Franklin County, MO, Greene County, MO, Camden County, MO — the specific places where its credit posture translates into local lending capacity. Read against its 6-county reach, a elevated score sets the credit tone for every market on its map. The value is in the linkage: Sullivan Bank's elevated reading is mapped onto 129 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. The recent trend 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.

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

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.