Bank of Prairie Du Sac
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Data as of · sourced from FFIEC call reports. How we update
Bank of Prairie Du Sac is an FDIC-insured commercial bank headquartered in Prairie du Sac, WI, supervised by the FDIC, with $744.5M in total assets at Q2 2026, up 15.7% from Q2 2025, the 43rd largest of 153 banks headquartered in Wisconsin. It was established in 1916 and holds FDIC certificate 14660. Its CET1 capital ratio was 21.84% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14660
- Headquarters
- Prairie du Sac, WI
- Established
- 1916
- Total assets, Q2 2026
- $744.5M
- Assets vs Q2 2025
- +15.7%
- CET1 ratio, Q2 2026
- 21.84%
- Domestic offices
- 2 · Bank of Prairie Du Sac branches FDIC institution directory, current count
- Routing number
- 075909204
- Safety and soundness
- Is Bank of Prairie Du Sac safe?
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Prairie Du Sac Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- PDS BANCORP, INC.
- Asset rank in state
- 43rd of 153 in Wisconsin
Bank of Prairie Du Sac runs leaner than most banks of its size. Based in Prairie Du Sac, Wisconsin, it had $745 million in assets at June 30, 2026, up 15.7% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%).
Net income for the quarter rose 18% from a year earlier, to $3.1 million. Over the same year, loans grew 6.0% and deposits grew 16.7%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.96 cents).
As of June 30, 2026, Bank of Prairie Du Sac reported a CET1 capital ratio of 21.84%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Prairie Du Sac is the 43rd largest of the 153 banks headquartered in Wisconsin. From Q1 2026 to Q2 2026, its total assets fell 1.4% to $744.5M, loans rose 3.0% and deposits fell 1.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 20.6% of total loans, followed by 1-4 family residential loans at 16.0%. Its 2 offices in the FDIC Summary of Deposits are in Prairie Du Sac, WI and Sauk City, WI; its Prairie Du Sac office books 100% of its branch deposits. On its Q2 2026 call report, Bank of Prairie Du Sac meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 555 Park Ave, Prairie du Sac, WI 53578
- County
- Sauk
- Metro Area
- Baraboo, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 22, 1916
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $644.3M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $774.0M
- Average total loans
- $394.8M
- Average interest-bearing deposits
- $569.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14660
- Fed RSSD
- 997847
- Website
- WWW.BANKPDS.COM →
- Parent Holding Company
- PDS BANCORP, INC. (RSSD 3120972)
- Ultimate Parent
- PLOETZ INVESTMENTS LIMITED PARTNERSHIP (RSSD 2658496)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Prairie Du Sac's total assets moved between a low of $552.9M (Q3 2023) and a high of $760.5M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$744.5M total assets against $643.5M; $647.4M total liabilities against $557.8M.
$388.1M net loans and leases against $365.8M; $644.3M total deposits against $551.9M.
$229.8M securities against $187.3M; $110.5M cash and balances due against $75.4M.
$9.1M total interest income against $8.0M; $3.5M total interest expense against $3.0M.
$5.6M net interest income against $5.0M.
$524K total noninterest income against $482K; $2.4M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$3.1M net income against $2.7M.
1.62% return on assets against 1.59%; 3.12% net interest margin against 3.23%.
21.84% CET1 capital ratio against 21.08%; 13.70% tier 1 leverage ratio against 14.85%.
Inside the full Bank of Prairie Du Sac terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Prairie Du Sac rankings
Its closest position to the top of a national ranking is 159 of 3,606, for efficiency ratio; its furthest is 3,383 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.16% (Q4 2025) to 1.62% (Q2 2026) and its net interest margin ran from 2.93% (Q1 2026) to 3.23% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.84% | 1.62% | 0.00% | 0.00% | 3.12% |
| Q1 2026 | 22.19% | 1.44% | 0.01% | 0.03% | 2.93% |
| Q4 2025 | 21.50% | 1.16% | 0.01% | 0.03% | 2.99% |
| Q3 2025 | 21.73% | 1.44% | 0.06% | 0.23% | 2.99% |
| Q2 2025 | 21.08% | 1.59% | 0.00% | 0.00% | 3.23% |
| Q1 2025 | 21.44% | 1.50% | 0.00% | 0.00% | 3.12% |
| Q4 2024 | 21.11% | 1.37% | 0.02% | 0.07% | 3.18% |
| Q3 2024 | 21.14% | 1.42% | 0.05% | 0.18% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Prairie Du Sac (main office) | Prairie Du Sac , WI | 53578 | $644.3M |
| Sauk City Branch | Sauk City , WI | 53583 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WI, rank 47 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.9M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Prairie Du Sac
What are Bank of Prairie Du Sac's total assets?
As of the Q2 2026 filing, Bank of Prairie Du Sac reported total assets of $744.5 million in its FFIEC call report.
Where is Bank of Prairie Du Sac headquartered?
It is headquartered in Prairie du Sac, WI, United States.
When was Bank of Prairie Du Sac founded?
It was established in 1916, per the FDIC institution directory.
Is Bank of Prairie Du Sac FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Prairie Du Sac?
Bank of Prairie Du Sac's primary federal regulator is the FDIC.
What is Bank of Prairie Du Sac's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.84% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Prairie Du Sac operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Prairie Du Sac's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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