Prevail Bank
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Data as of · sourced from FFIEC call reports. How we update
Prevail Bank is an FDIC-insured savings institution headquartered in Medford, WI, established in 1935 (FDIC certificate 29294), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.03B, up 5.5% from Q2 2025, the 30th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29294
- Headquarters
- Medford, WI
- Established
- 1935
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 12.60%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 291571270
- Latest call report
- Q2 2026, FFIEC 051 · Prevail Bank call report
- Holding company
- PREVAIL MUTUAL HOLDINGS INC.
- Asset rank in state
- 30th of 153 in Wisconsin
Prevail Bank, based in Medford, Wisconsin, reported $1.0 billion in assets at June 30, 2026, up 5.5% from a year earlier. It returns 4.8% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $1.6 million, 148% above the same quarter a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Prevail Bank reported a return on assets of 0.62%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 1.16%. The figures come from its call report filed with the FFIEC.
Prevail Bank ranks as the 30th largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.6% to $1.03B, loans fell 1.2% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.5% of total loans, followed by non-owner-occupied commercial real estate loans at 20.6%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities in WI; its Medford office books 22% of its branch deposits. Judged on its Q2 2026 call report, Prevail Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 675 E Broadway Ave, Medford, WI 54451
- County
- Taylor
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 18, 1935
- Former names
- Time Federal Savings Bank (1989-2020)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 124
- Domestic deposits
- $786.8M
- Allowance for credit losses
- $8.9M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $1.04B
- Average total loans
- $754.5M
- Average interest-bearing deposits
- $700.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29294
- Fed RSSD
- 27070
- Website
- www.prevail.bank →
- Parent Holding Company
- PREVAIL MUTUAL HOLDINGS INC. (RSSD 5735437)
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, Prevail Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Prevail Bank's total assets moved between a low of $945.3M (Q3 2023) and a high of $1.03B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.03B total assets against $974.2M; $891.8M total liabilities against $846.7M.
$734.2M net loans and leases against $704.5M; $786.8M total deposits against $745.7M.
$165.6M securities against $166.7M; $43.2M cash and balances due against $18.9M.
$12.0M total interest income against $10.4M; $5.1M total interest expense against $5.2M.
$6.9M net interest income against $5.2M.
$700K total noninterest income against $559K; $5.5M total noninterest expense against $4.8M.
$225K provision for credit losses against $300K.
$1.6M net income against $653K.
0.62% return on assets against 0.26%; 2.91% net interest margin against 2.42%.
12.60% tier 1 leverage ratio against 12.69%.
Inside the full Prevail 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Prevail Bank rankings
Its closest position to the top of a national ranking is 1,016 of 4,196, for total assets; its furthest is 3,114 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 0.62% (Q2 2026) and its net interest margin ran from 1.97% (Q3 2024) to 2.91% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.60% | 0.62% | 0.20% | 1.16% | 2.91% |
| Q1 2026 | 12.63% | 0.25% | 0.15% | 0.88% | 2.70% |
| Q4 2025 | 12.82% | 0.61% | 0.16% | 0.92% | 2.68% |
| Q3 2025 | 12.71% | 0.45% | 0.16% | 0.95% | 2.65% |
| Q2 2025 | 12.69% | 0.26% | 0.20% | 1.01% | 2.42% |
| Q1 2025 | 12.86% | 0.07% | 0.23% | 1.11% | 2.10% |
| Q4 2024 | 12.87% | 0.23% | 0.12% | 0.44% | 2.07% |
| Q3 2024 | 12.87% | 0.03% | 0.13% | 0.47% | 1.97% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Prevail Bank (main office) | Medford , WI | 54451 | $172.9M |
| Wisconsin Rapids Branch | Wisconsin Rapids , WI | 54494 | $146.3M |
| Baraboo Branch | Baraboo , WI | 53913 | $103.4M |
| Marshfield Branch | Marshfield , WI | 54449 | $102.0M |
| 204 N Avon Ave Branch | Phillips , WI | 54555 | $96.4M |
| Stevens Point Branch | Stevens Point , WI | 54482 | $59.7M |
| Central Avenue Owen Wi Branch | Owen , WI | 54460 | $51.4M |
| 17th Avenue Branch | Wausau , WI | 54401 | $39.0M |
| Eau Claire Branch | Eau Claire , WI | 54701 | $15.6M |
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 |
|---|---|---|---|
| November 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2019 | Structure Change | Acquired River Cities Bank 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.
- Deposit market share
- 0.4% of deposits in WI, rank 37 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 253 applications, 180 loans originated, $84.2M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $840K approved, $280K 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, 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 Prevail Bank
What are Prevail Bank's total assets?
As of the Q2 2026 filing, Prevail Bank reported total assets of $1.03 billion in its FFIEC call report.
Where is Prevail Bank headquartered?
It is headquartered in Medford, WI, United States.
When was Prevail Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Prevail Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29294). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Prevail Bank?
Prevail Bank's primary federal regulator is the OCC.
How many branches does Prevail Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Prevail Bank's Texas Ratio?
Its Texas Ratio is 1.16% 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 Prevail Bank previously called?
The charter now named Prevail Bank has also operated as Time Federal Savings Bank (1989-2020), per FDIC structure-change records.
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