Incrediblebank: Bank Stress & Real-Estate Credit Exposure

Incrediblebank (FDIC Cert #19772) carries a DLRadar bank-stress score of 77/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. 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, Lee County, FL, Marathon County, WI, Houghton County, MI, among others DLRadar tracks parcel by parcel. Because Incrediblebank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 77/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution. Incrediblebank is held under River Valley Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Incrediblebank worth watching as a supply signal. DLRadar does not model Incrediblebank in isolation: the 189-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 10 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. DLRadar maps Incrediblebank into 10 counties (189 ZIP codes) across 3 states — a compact, regionally concentrated lending base. Its heaviest exposure sits in Wisconsin (5 counties), Michigan (4 counties), Florida (1 county). What separates this from a plain credit rating is the geographic weighting — Incrediblebank's 77/100 reading reflects not just its balance sheet but the 10 counties it lends into, so the score doubles as a map of where its stress will land first.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Incrediblebank 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. 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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.