Commercial Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Commercial Bank (FDIC Cert #9356) registers 83/100 on DLRadar's scale — a severe reading. 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.

Commercial 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. Commercial Bank is held under Commercial Capital Corp, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Commercial Bank worth watching as a supply signal. County by county, that footprint includes Lauderdale County, MS, Kemper County, MS, Neshoba County, MS, among others DLRadar tracks parcel by parcel. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The Commercial Bank score updates as fresh FDIC call reports post each quarter, so its 83/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Commercial Bank is directly comparable to any lender in the country. DLRadar maps Commercial Bank into 3 counties (23 ZIP codes) across 1 states — a compact, single-state lending base. The deepest footprints are Mississippi (3 counties). Rather than a standalone rating, the severe score is tied to real markets — every one of the 23 ZIP codes Commercial Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

For buyers, lender stress is an early map of supply: when Commercial Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. 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.