The Pineries Bank
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Data as of · sourced from FFIEC call reports. How we update
The Pineries Bank is an FDIC-insured commercial bank headquartered in Stevens Point, WI, established in 1906 (FDIC certificate 9526), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $149.1M, up 3.0% from Q2 2025, the 130th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 21.83% 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
- 9526
- Headquarters
- Stevens Point, WI
- Established
- 1906
- Total assets, Q2 2026
- $149.1M
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 21.83%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075905994
- Holding company
- PINERIES BANKSHARES, INC.
- Asset rank in state
- 130th of 153 in Wisconsin
The Pineries Bank, based in Stevens Point, Wisconsin, reported $149 million in assets at June 30, 2026, up 3.0% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 21.83% of its risk-weighted assets, higher than about three-quarters of banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 12.4% and deposits rose 2.2%. Its margin is thin by comparison: it keeps 3.45 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, The Pineries Bank reported a CET1 capital ratio of 21.83%, a return on assets of 1.54%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, The Pineries Bank is the 130th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $149.1M, loans rose 3.1% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 70.6% of total loans, followed by non-owner-occupied commercial real estate loans at 10.6%. The FDIC Summary of Deposits lists a single office for it, in Stevens Point, WI. On its Q2 2026 call report, The Pineries Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3601 Main St, Stevens Point, WI 54481
- County
- Portage
- Metro Area
- Stevens Point-Plover, 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 051
- Established
- June 1, 1906
- Former names
- The Pineries Bank (1997)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $130.5M
- Allowance for credit losses
- $623K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $148.7M
- Average total loans
- $98.4M
- Average interest-bearing deposits
- $106.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9526
- Fed RSSD
- 674344
- Website
- www.pineries.com →
- Parent Holding Company
- PINERIES BANKSHARES, INC. (RSSD 2514921)
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
From Q3 2023 to Q2 2026, The Pineries Bank's total assets ranged from $134.0M (Q4 2023) to $149.4M (Q1 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
$149.1M total assets against $144.8M; $131.9M total liabilities against $129.0M.
$99.4M net loans and leases against $88.3M; $130.5M total deposits against $127.7M.
$5.6M securities against $6.4M; $37.2M cash and balances due against $43.2M.
$1.8M total interest income against $1.6M; $567K total interest expense against $537K.
$1.2M net interest income against $1.1M.
$77K total noninterest income against $83K; $706K total noninterest expense against $650K.
$3K provision for credit losses against $3K.
$571K net income against $536K.
1.54% return on assets against 1.50%; 3.45% net interest margin against 3.30%.
21.83% CET1 capital ratio against 22.20%; 11.34% tier 1 leverage ratio against 10.81%.
Inside the full The Pineries Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Pineries Bank rankings
Its closest position to the top of a national ranking is 259 of 2,134, for CET1 ratio; its furthest is 3,339 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.44% (Q1 2025) to 1.54% (Q3 2025) and its net interest margin ran from 3.24% (Q3 2024) to 3.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.83% | 1.54% | 0.00% | 0.01% | 3.45% |
| Q1 2026 | 21.59% | 1.51% | 0.00% | 0.00% | 3.38% |
| Q4 2025 | 21.50% | 1.51% | 0.00% | 0.01% | 3.43% |
| Q3 2025 | 22.03% | 1.54% | 0.09% | 0.48% | 3.36% |
| Q2 2025 | 22.20% | 1.50% | 0.00% | 0.00% | 3.30% |
| Q1 2025 | 21.31% | 1.44% | 0.00% | 0.00% | 3.28% |
| Q4 2024 | 20.42% | 1.49% | 0.00% | 0.00% | 3.29% |
| Q3 2024 | 20.44% | 1.46% | 0.00% | 0.00% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Pineries Bank | Stevens Point , WI | 54481 | $130.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 143 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $214K approved, $107K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 The Pineries Bank
What are The Pineries Bank's total assets?
As of the Q2 2026 filing, The Pineries Bank reported total assets of $149.1 million in its FFIEC call report.
Where is The Pineries Bank headquartered?
It is headquartered in Stevens Point, WI, United States.
When was The Pineries Bank founded?
It was established in 1906, per the FDIC institution directory.
Is The Pineries Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pineries Bank?
The Pineries Bank's primary federal regulator is the FDIC.
What is The Pineries Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Pineries Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pineries Bank's Texas Ratio?
Its Texas Ratio is 0.01% 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 The Pineries Bank previously called?
The charter now named The Pineries Bank has also operated as The Pineries Bank (1997), per FDIC structure-change records.
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