Fox Valley Savings Bank: Bank Stress & Real-Estate Credit Exposure

Fox Valley Savings Bank (FDIC Cert #29188) carries a DLRadar bank-stress score of 73/100, a elevated 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.

DLRadar maps Fox Valley Savings Bank into 3 counties (64 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in Wisconsin (3 counties). 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. What separates this from a plain credit rating is the geographic weighting — Fox Valley Savings Bank's 73/100 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. Because Fox Valley Savings Bank is held under Fvsb Mutual Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. The combination of a elevated reading and a compact footprint is what makes Fox Valley Savings Bank worth watching as a supply signal. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 64 ZIP codes Fox Valley Savings Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. At the county level, Fox Valley Savings Bank finances markets like Dodge County, WI, Fond Du Lac County, WI, Winnebago County, WI — the specific places where its credit posture translates into local lending capacity. The Fox Valley Savings Bank score updates as fresh FDIC call reports post each quarter, so its 73/100 reading and 3-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Fox Valley Savings Bank is directly comparable to any lender in the country.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Fox Valley Savings 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. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.