Pyramax Bank FSB: Bank Stress & Real-Estate Credit Exposure

Bank stress at Pyramax Bank FSB (FDIC Cert #29120) registers 78/100 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.

Pyramax Bank FSB runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 78 ZIP codes. It concentrates most in Wisconsin (3 counties). A severe score on a footprint this size means the markets Pyramax Bank FSB touches inherit a corresponding share of that lending pressure. No bank is too small to score the same way: Pyramax Bank FSB runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 78-ZIP profile means exactly what it would for any institution nationwide. What separates this from a plain credit rating is the geographic weighting — Pyramax Bank FSB's 78/100 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. 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. Because Pyramax Bank FSB is held under 1895 Bcorp Of Wisconsin Inc, its financials are open to scrutiny and its trend can be independently checked. Its lending reaches counties such as Milwaukee County, WI, Waukesha County, WI, Ozaukee County, WI, each tied back to DLRadar's distress signals. The value is in the linkage: Pyramax Bank FSB's severe reading is mapped onto 78 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.

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

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.