Countybank: Bank Stress & Real-Estate Credit Exposure

At 72/100, Countybank's DLRadar bank-stress reading is elevated; the institution is filed under FDIC Cert #9155. 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.

Countybank is held under Tcb Corp, so its disclosures are public and its stress trajectory is externally verifiable. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Countybank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. At the county level, Countybank finances markets like Greenville County, SC, Anderson County, SC, Greenwood County, SC — the specific places where its credit posture translates into local lending capacity. The value is in the linkage: Countybank's elevated reading is mapped onto 50 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. DLRadar maps Countybank into 3 counties (50 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in South Carolina (3 counties). Because Countybank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. A elevated score on a footprint this size means the markets Countybank touches inherit a corresponding share of that lending pressure. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

For buyers, lender stress is an early map of supply: when Countybank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

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. The result is an early, auditable read on supply, every figure anchored to public data.