Peshtigo National Bank: Bank Stress & Real-Estate Credit Exposure

At 87/100, Peshtigo National Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #5317. 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.

Because Peshtigo National Bank is held under Peshtigo National Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. Its footprint is compact and single-state: 44 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Wisconsin (3 counties). Its lending reaches counties such as Oconto County, WI, Langlade County, WI, Marinette County, WI, each tied back to DLRadar's distress signals. Peshtigo National Bank'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. The value is in the linkage: Peshtigo National Bank's severe reading is mapped onto 44 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. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. The Peshtigo National Bank score updates as fresh FDIC call reports post each quarter, so its 87/100 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, Peshtigo National Bank is directly comparable to any lender in the country. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Peshtigo National 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. It is an early-warning read, flagging distress before it reaches the MLS.

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. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.