Citizens State Bank: Bank Stress & Real-Estate Credit Exposure

At 78/100, Citizens State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #9047. 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.

Citizens State Bank runs a compact, single-state real-estate lending footprint — 6 U.S. counties across 1 state, spanning 101 ZIP codes. The deepest footprints are Iowa (6 counties). No bank is too small to score the same way: Citizens State Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 6-county, 101-ZIP profile means exactly what it would for any institution nationwide. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. County by county, that footprint includes Linn County, IA, Clayton County, IA, Dubuque County, IA, Delaware County, IA, among others DLRadar tracks parcel by parcel. Read against its 6-county reach, a severe score sets the credit tone for every market on its map. Citizens State Bank is held under Herky Hawk Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. What separates this from a plain credit rating is the geographic weighting — Citizens State Bank's 78/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first. The value is in the linkage: Citizens State Bank's severe reading is mapped onto 101 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.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Citizens State 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. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.