Pillar Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pillar Bank of Baldwin, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.35% | -0.37% | 32nd below |
| ROAE | 12.41% | 12.05% | +0.36% | 50th above |
| Net Interest Margin | 4.00% | 3.90% | +0.10% | 53rd above |
| Efficiency Ratio | 69.69% | 63.15% | +6.54% | 29th below |
| PPNR / Avg Assets | 1.20% | 1.64% | -0.44% | 29th below |
| Yield on Earning Assets | 5.27% | 5.65% | -0.38% | 34th below |
| Cost of Funds | 1.37% | 1.85% | -0.48% | 76th top |
| Net Interest Spread | 3.63% | 3.35% | +0.28% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.60% | 0.92% | -0.32% | 41st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.35% | 0.67% | -0.32% | 47th below |
| NCO / Avg Loans | -0.08% | 0.15% | -0.23% | 96th top |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 67th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 224.26% | 1645.74% | -1421.48% | 51st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.67% | 7.15% | -0.48% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.99% | 12.46% | -2.47% | 31st below |
| Equity / Assets | 7.86% | 11.67% | -3.81% | 12th bottom |
| TCE / Tangible Assets | 7.37% | 11.40% | -4.03% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.05% | 78.64% | +1.41% | 51st above |
| Core Deposit Ratio | 92.38% | 87.09% | +5.29% | 70th above |
| Wholesale Funding Ratio | 18.45% | 5.10% | +13.35% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.62% | 6.48% | -5.86% | 23rd bottom |
| Loan Growth (Y/Y) | 0.80% | 7.64% | -6.84% | 26th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.00% | 6.02% | -2.02% | 50th above |
See Pillar Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pillar Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pillar Bank profile, how to read a UBPR, or how this data updates.