Ergo Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Ergo Bank (FDIC Cert #10004) at 87/100 for bank stress — a severe level of financial pressure. 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.

Its footprint is compact and single-state: 54 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Wisconsin (3 counties). The combination of a severe reading and a compact footprint is what makes Ergo Bank worth watching as a supply signal. Over the trailing week its stress reading is 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 Dodge County, WI, Green Lake County, WI, Monroe County, WI, among others DLRadar tracks parcel by parcel. What separates this from a plain credit rating is the geographic weighting — Ergo Bank's 87/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. No bank is too small to score the same way: Ergo Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 54-ZIP profile means exactly what it would for any institution nationwide. Because Ergo Bank is held under Fs Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. The value is in the linkage: Ergo Bank's severe reading is mapped onto 54 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.

For buyers, lender stress is an early map of supply: when Ergo Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

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.