Minnesota Bank Stress by County

Minnesota currently reads elevated, above the national norm on bank stress, averaging 62/100 across its counties, ranking #16 nationally. The metric captures how squeezed a market's lenders are; as they tighten, financing dries up and distress follows within months.

Minnesota is rebuilt every quarter from fresh call reports, which is why its ranking moves with real financial change.

DLRadar reads FDIC filings for 291 banks active in Minnesota, weighting each by where it actually lends.

33 counties clear 65 on the scale and one reaches 100/100 -- the Minnesota markets most exposed to a credit pullback.

Concentration is highest in Sibley County, 74/100, with Meeker County next. The ranking below orders every Minnesota county by bank stress, each linking to its full distress profile.

For buyers, the read is direct — as Minnesota lenders tighten, builders lose credit, refinances collapse, and distressed exits multiply. The result is advance warning of Minnesota supply, not a report on it.

With Minnesota elevated, above the national norm, the useful move is to rank counties by lender strain and work down from the top.

Pairing Minnesota lender strain with property records turns an abstract score into a working list of counties and parcels.

Scoring is national and consistent, built from call reports and tied to property-level records. So in Minnesota you can move on distressed supply before the market catches up — every figure traces to a public federal source.