Pillar Bank
BankRegReports is independent of Pillar Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pillar Bank is an FDIC-insured commercial bank headquartered in Baldwin, WI, established in 1883 (FDIC certificate 5336), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $267.0M, up 0.6% from Q2 2025, the 106th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5336
- Headquarters
- Baldwin, WI
- Established
- 1883
- Total assets, Q2 2026
- $267.0M
- Assets vs Q2 2025
- +0.6%
- Tier 1 leverage ratio, Q2 2026
- 9.99%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 091804147
- Holding company
- BALDWIN BANCSHARES, INC.
- Asset rank in state
- 106th of 153 in Wisconsin
Problem loans are falling at Pillar Bank. Its balance sheet stood at $267 million at June 30, 2026; it is based in Baldwin, Wisconsin. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.92% of loans from 1.27% a year earlier. It pays an average of 1.37% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 0.8% over the year, a small fraction of the median of 5.5% for banks its size.
Its $20 million non-owner-occupied commercial real estate book is now fully current, after 8.42% of it was past due or on nonaccrual a year earlier. Earnings jumped: net income for the quarter was $637,000, 34% above the same quarter a year earlier.
As of June 30, 2026, Pillar Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 6.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pillar Bank is the 106th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $267.0M, loans rose 0.3% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 18.6% of total loans, ahead of 1-4 family residential loans at 17.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in WI; its Baldwin office books 55% of its branch deposits. Judged on its Q2 2026 call report, Pillar Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 990 Main Street, Baldwin, WI 54002
- County
- St. Croix
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 23, 1883
- Former names
- The First Bank of Baldwin (2003-2023)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $195.8M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$39K
- Average total assets
- $260.4M
- Average total loans
- $156.0M
- Average interest-bearing deposits
- $133.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5336
- Fed RSSD
- 143952
- SEC CIK
- 1544866 → filed by BALDWIN BANCSHARES, INC.
- Website
- www.pillar.bank →
- Parent Holding Company
- BALDWIN BANCSHARES, INC. (RSSD 1128639)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Pillar Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Pillar Bank's total assets moved between a low of $257.0M (Q3 2023) and a high of $267.4M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$267.0M total assets against $265.4M; $246.1M total liabilities against $247.9M.
$154.6M net loans and leases against $153.7M; $195.8M total deposits against $188.2M.
$81.8M securities against $88.6M; $13.1M cash and balances due against $5.8M.
$3.3M total interest income against $3.2M; $800K total interest expense against $929K.
$2.5M net interest income against $2.2M.
$179K total noninterest income against $168K; $1.9M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$637K net income against $475K.
0.98% return on assets against 0.73%; 4.00% net interest margin against 3.62%.
9.99% tier 1 leverage ratio against 9.34%.
Inside the full Pillar Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Pillar Bank rankings
Its closest position to the top of a national ranking is 1,009 of 3,640, for Texas Ratio; its furthest is 2,722 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.28% (Q4 2024) to 0.98% (Q1 2026) and its net interest margin ran from 3.25% (Q3 2024) to 4.00% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.99% | 0.98% | 0.92% | 6.67% | 4.00% |
| Q1 2026 | 9.50% | 0.98% | 0.72% | 5.42% | 3.88% |
| Q4 2025 | 9.33% | 0.52% | 0.57% | 4.50% | 3.91% |
| Q3 2025 | 9.22% | 0.46% | 1.12% | 12.76% | 3.58% |
| Q2 2025 | 9.34% | 0.73% | 1.27% | 14.69% | 3.62% |
| Q1 2025 | 9.30% | 0.81% | 1.43% | 12.08% | 3.79% |
| Q4 2024 | 9.11% | -1.28% | 1.38% | 12.88% | 3.38% |
| Q3 2024 | 9.36% | 0.60% | 2.63% | 21.05% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Pillar Bank (main office) | Baldwin , WI | 54002 | $107.1M |
| Spring Valley Branch | Spring Valley , WI | 54767 | $34.6M |
| Balsam Lake Office | Balsam Lake , WI | 54810 | $18.3M |
| Chippewa Falls Branch | Chippewa Falls , WI | 54729 | $11.8M |
| Plum City Branch | Plum City , WI | 54761 | $11.0M |
| Clear Lake Branch | Clear Lake , WI | 54005 | $7.6M |
| Amery Branch | Amery , WI | 54001 | $5.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 4, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 4, 2007 | Structure Change | Acquired The Bank of Spring Valley Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 26, 2011, Federal Reserve: Written Agreement: The First Bank of Baldwin, Baldwin, Wisconsin
- Period: Most recent institution action July 26, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 125 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 20 loans originated, $5.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Pillar Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pillar Bank
What are Pillar Bank's total assets?
As of the Q2 2026 filing, Pillar Bank reported total assets of $267.0 million in its FFIEC call report.
Where is Pillar Bank headquartered?
It is headquartered in Baldwin, WI, United States.
When was Pillar Bank founded?
It was established in 1883, per the FDIC institution directory.
Is Pillar Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pillar Bank?
Pillar Bank's primary federal regulator is the Federal Reserve.
How many branches does Pillar Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pillar Bank's Texas Ratio?
Its Texas Ratio is 6.67% 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.
What was Pillar Bank previously called?
The charter now named Pillar Bank has also operated as The First Bank of Baldwin (2003-2023), per FDIC structure-change records.
Go deeper on Pillar Bank.
Get an email when Pillar Bank files its next call report, and benchmark it against any peer you choose.
Unlock Pillar Bank, freeFree account