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Pillar Bank

Baldwin, WI · Cert 5336 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Baldwin Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$267.0MAssets
$156.7MLoans
$195.8MDeposits
$21.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 70% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 17 of 53).
  • Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 50 of 53).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.97%

Rank 33 of 53

Net Interest Margin

3.81%

Rank 26 of 53

Efficiency Ratio

70.11%

Rank 38 of 53

Equity / Assets

7.86%

Rank 43 of 53

Non-interest income vs. expense

$0.8M$7.4MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 30% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 70.11%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.73%1.11%1.30%Beats 38%33 / 53
Return on Equity12.33%7.88%12.20%14.12%Beats 51%26 / 53
Net Interest Margin3.81%3.39%3.77%4.09%Beats 51%26 / 53
Efficiency Ratio70.11%56.05%65.05%71.57%Beats 30%38 / 53
Asset Quality
Nonperforming Loans / Loans0.92%0.14%0.52%1.20%Beats 34%36 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 70%17 / 53
Capital
Tier 1 Capital Ratio9.99%10.73%12.98%15.08%Beats 9%48 / 53
Total Risk-Based Capital Ratio9.99%11.49%13.79%16.34%Beats 6%50 / 53
Equity / Assets7.86%8.08%9.25%10.72%Beats 19%43 / 53
Liquidity & Funding
Loans / Deposits80.05%72.13%82.29%93.80%43rd pctl30 / 53
Loans / Assets58.69%63.64%71.80%79.37%19th pctl43 / 53
Brokered Deposits / Depositsn/aNot reported for this institution