PILLAR BANK

BALDWIN, WI | Small | Est. Sept. 23, 1883, midnight | FDIC #5336 | RSSD #143952 | FED
Latest Report: 2025-12-31

PILLAR BANK is asn small FDIC-insured commercial bank headquartered in BALDWIN, WI, established in Sept. 23, 1883, midnight. As of 2025-12-31, the bank reported total assets of $267M and total deposits of $195M. Profitability stands at 0.51% ROA and 7.18% ROE, with a net interest margin of 3.98%. The bank's CET1 capital ratio is 6.37%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 3.05%. FDIC Certificate #5336.

Assets

$267M

Deposits

$195M

Loans

$160M

Equity

$20M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 7.18%
Net Interest Margin (NIM) 3.98%
Yield on Assets 5.37%
Cost of Funds 1.38%

Asset Quality

NPL Ratio 0.42%
Net Charge-Off Ratio -0.19%
Texas Ratio 3.05%
NPA Ratio 0.25%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 6.37%
Tier 1 Capital 6.37%
Total Capital Ratio 6.69%
Leverage Ratio 9.33%
Loan-to-Deposit 81.85%

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