Premier Community Bank: Bank Stress & Real-Estate Credit Exposure

Premier Community Bank (FDIC Cert #15799) carries a DLRadar bank-stress score of 87/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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.

Read against its 5-county reach, a severe score sets the credit tone for every market on its map. The recent trend 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. Premier Community Bank is held under M S B Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. County by county, that footprint includes Shawano County, WI, Outagamie County, WI, Brown County, WI, Winnebago County, WI, among others DLRadar tracks parcel by parcel. DLRadar maps Premier Community Bank into 5 counties (82 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Wisconsin (5 counties). No bank is too small to score the same way: Premier Community Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 82-ZIP profile means exactly what it would for any institution nationwide. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Premier Community 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. Rather than a standalone rating, the severe score is tied to real markets — every one of the 82 ZIP codes Premier Community Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Premier Community Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

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. That lets you move ahead of the market, with each number sourced from public federal filings.