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

Unfavorable gap of $6.7M · efficiency ratio beats 30% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.97%	0.73%	1.11%	1.30%	Beats 38%	33 / 53
Return on Equity	12.33%	7.88%	12.20%	14.12%	Beats 51%	26 / 53
Net Interest Margin	3.81%	3.39%	3.77%	4.09%	Beats 51%	26 / 53
Efficiency Ratio	70.11%	56.05%	65.05%	71.57%	Beats 30%	38 / 53
Asset Quality
Nonperforming Loans / Loans	0.92%	0.14%	0.52%	1.20%	Beats 34%	36 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 70%	17 / 53
Capital
Tier 1 Capital Ratio	9.99%	10.73%	12.98%	15.08%	Beats 9%	48 / 53
Total Risk-Based Capital Ratio	9.99%	11.49%	13.79%	16.34%	Beats 6%	50 / 53
Equity / Assets	7.86%	8.08%	9.25%	10.72%	Beats 19%	43 / 53
Liquidity & Funding
Loans / Deposits	80.05%	72.13%	82.29%	93.80%	43rd pctl	30 / 53
Loans / Assets	58.69%	63.64%	71.80%	79.37%	19th pctl	43 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution