Premierbank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Premierbank (FDIC Cert #5295) registers 73/100 on DLRadar's scale — a elevated reading. 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.

Premierbank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 48 ZIP codes. It concentrates most in Wisconsin (3 counties). DLRadar does not model Premierbank in isolation: the 48-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. Read against its 3-county reach, a elevated score sets the credit tone for every market on its map. Because Premierbank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. At the county level, Premierbank finances markets like Rock County, WI, Jefferson County, WI, Walworth County, WI — the specific places where its credit posture translates into local lending capacity. Premierbank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Premierbank is held under First American Bankshares Inc, its financials are open to scrutiny and its trend can be independently checked.

The acquisition angle is simple — lending capacity is what moves deals. As Premierbank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

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. The result is an early, auditable read on supply, every figure anchored to public data.