Union Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Union Bank (FDIC Cert #9420) at 64/100 for bank stress — a elevated level of financial pressure. 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.

Over the trailing week its stress reading 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 DLRadar bank-stress score is a composite, not a single ratio: it weighs Union Bank'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. DLRadar maps Union Bank into 4 counties (44 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in North Dakota (4 counties). Because Union Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 64/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Union Bank is held under Union Holding Co, its financials are open to scrutiny and its trend can be independently checked. County by county, that footprint includes Mclean County, ND, Dunn County, ND, Mercer County, ND, Morton County, ND, among others DLRadar tracks parcel by parcel. The combination of a elevated reading and a compact footprint is what makes Union Bank worth watching as a supply signal. DLRadar does not model Union Bank in isolation: the 44-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress.

For buyers, lender stress is an early map of supply: when Union 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.