Abbybank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Abbybank (FDIC Cert #19795) registers 81/100 on DLRadar's scale — a severe reading. 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.

Over the trailing week its stress reading 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. The combination of a severe reading and a compact footprint is what makes Abbybank worth watching as a supply signal. Abbybank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 90 ZIP codes. It concentrates most in Wisconsin (5 counties). Abbybank is held under Abby Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar does not model Abbybank in isolation: the 90-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Its lending reaches counties such as Marathon County, WI, Shawano County, WI, Outagamie County, WI, Clark County, WI, each tied back to DLRadar's distress signals. What separates this from a plain credit rating is the geographic weighting — Abbybank's 81/100 reading reflects not just its balance sheet but the 5 counties it lends into, so the score doubles as a map of where its stress will land first. The Abbybank score updates as fresh FDIC call reports post each quarter, so its 81/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Abbybank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Abbybank 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.