Pillar Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.27 percentage points in Q2 2026, from 230.53% to 224.26%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Pillar Bank is 118th of 153 on return on assets, 0.98% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Pillar Bank sits 0.28 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 7.86% |
| Tangible equity to tangible assets | 7.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 6.67% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 224.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 12.41% |
| Net interest margin | 4.00% |
| Efficiency ratio | 69.69% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.05% |
| Core deposits to total deposits | 92.38% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.31% |
| Securities to assets | 30.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.24% | 13.24% | 14.49% | 9.34% | 0.59% |
| Q4 2023 | 12.94% | 12.94% | 14.19% | 9.35% | 0.06% |
| Q1 2024 | 12.79% | 12.79% | 14.04% | 9.24% | 0.29% |
| Q2 2024 | 13.33% | 13.33% | 14.59% | 9.52% | 0.64% |
| Q3 2024 | 13.74% | 13.74% | 14.99% | 9.36% | 0.60% |
| Q4 2024 | 13.47% | 13.47% | 14.54% | 9.11% | -1.28% |
| Q1 2025 | 13.95% | 13.95% | 15.03% | 9.30% | 0.81% |
| Q2 2025 | 12.99% | 12.99% | 13.99% | 9.34% | 0.73% |
| Q3 2025 | — | — | — | 9.22% | 0.46% |
| Q4 2025 | — | — | — | 9.33% | 0.52% |
| Q1 2026 | — | — | — | 9.50% | 0.98% |
| Q2 2026 | — | — | — | 9.99% | 0.98% |
Pillar Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pillar Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pillar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5336) · FFIEC NIC profile (RSSD 143952)