Bank Cmg: Bank Stress & Real-Estate Credit Exposure

At 75/100, Bank Cmg's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #11623. 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.

County by county, that footprint includes Dane County, WI, Waukesha County, WI, Rock County, WI, Jefferson County, WI, among others DLRadar tracks parcel by parcel. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Bank Cmg'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. Bank Cmg is held under Cmg Bcorp, so its disclosures are public and its stress trajectory is externally verifiable. No bank is too small to score the same way: Bank Cmg runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 7-county, 130-ZIP profile means exactly what it would for any institution nationwide. DLRadar maps Bank Cmg into 7 counties (130 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Wisconsin (7 counties). Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Rather than a standalone rating, the severe score is tied to real markets — every one of the 130 ZIP codes Bank Cmg lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. A severe score on a footprint this size means the markets Bank Cmg touches inherit a corresponding share of that lending pressure.

The acquisition angle is simple — lending capacity is what moves deals. As Bank Cmg tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. 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.