Pyramax Bank, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Pyramax Bank, F.S.B. is an FDIC-insured savings institution headquartered in Greenfield, WI, established in 1892 (FDIC certificate 29120), and it is supervised by the OCC. At Q2 2026 it reported total assets of $588.7M, down 3.4% from Q2 2025, the 54th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 14.91% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29120
- Headquarters
- Greenfield, WI
- Established
- 1892
- Total assets, Q2 2026
- $588.7M
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 14.91%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 275071327
- Holding company
- 1895 BANCORP OF WISCONSIN, INC.
- Asset rank in state
- 54th of 153 in Wisconsin
Pyramax Bank, F.S.B. spends more to run itself than most banks of its size. Its balance sheet stood at $589 million at June 30, 2026, down 3.4% from a year earlier; it is based in Greenfield, Wisconsin. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Net income for the quarter slipped 20% from a year earlier, to $583,000. Over the same year, loans shrank 6.8% and deposits shrank 3.2%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, 2.4 times the median of 1.2 times for banks its size.
As of June 30, 2026, Pyramax Bank, F.S.B. reported a CET1 capital ratio of 14.91%, a return on assets of 0.39%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Pyramax Bank, F.S.B. is the 54th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $588.7M, loans fell 3.1% and deposits rose 0.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.4% of total loans, followed by multifamily loans at 21.1%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in WI; its Greenfield office books 30% of its branch deposits. Judged on its Q2 2026 call report, Pyramax Bank, F.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 7001 W Edgerton Ave, Greenfield, WI 53220
- County
- Milwaukee
- Metro Area
- Milwaukee-Waukesha, WI
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Former names
- PyraMax Bank, S.S.B. (2000-2003); South Milwaukee Savings Bank (1993-2000); South Milwaukee Savings Bank, S.A. (1990-1993)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $406.2M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $601.3M
- Average total loans
- $420.6M
- Average interest-bearing deposits
- $335.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29120
- Fed RSSD
- 713476
- SEC CIK
- 1847360 → filed by 1895 BANCORP OF WISCONSIN, INC.
- Website
- https://www.pyramaxbank.com →
- Parent Holding Company
- 1895 BANCORP OF WISCONSIN, INC. (RSSD 5589939) · BCOW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David R Ball | CEO | President and CEO |
| Steven T. Klitzing | CFO | SVP and CFO |
| Monica Baker | COO | EVP and COO |
| Daniel Kempel | CCO | SVP and CCO |
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
Over the 12 quarters to Q2 2026, Pyramax Bank, F.S.B.'s total assets ran between $553.3M (Q3 2023) and $615.2M (Q3 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$588.7M total assets against $609.5M; $524.3M total liabilities against $547.8M.
$414.3M net loans and leases against $444.4M; $406.2M total deposits against $419.5M.
$93.9M securities against $105.4M; $44.8M cash and balances due against $23.7M.
$6.9M total interest income against $6.8M; $2.9M total interest expense against $3.1M.
$4.0M net interest income against $3.7M.
$588K total noninterest income against $633K; $3.6M total noninterest expense against $3.5M.
$0 provision for credit losses against $100K.
$583K net income against $725K.
0.39% return on assets against 0.49%; 2.78% net interest margin against 2.61%.
14.91% CET1 capital ratio against 13.53%; 11.22% tier 1 leverage ratio against 10.83%.
Inside the full Pyramax Bank, F.S.B. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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.
Pyramax Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 1,572 of 4,196, for total assets; its furthest is 3,342 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 0.60% (Q4 2025) and its net interest margin ran from 2.23% (Q3 2024) to 2.78% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.91% | 0.39% | 0.25% | 1.52% | 2.78% |
| Q1 2026 | 14.66% | 0.48% | 0.29% | 1.77% | 2.64% |
| Q4 2025 | 14.15% | 0.60% | 0.28% | 1.81% | 2.71% |
| Q3 2025 | 13.74% | 0.54% | 0.30% | 1.96% | 2.73% |
| Q2 2025 | 13.53% | 0.49% | 0.32% | 2.14% | 2.61% |
| Q1 2025 | 14.15% | 0.31% | 0.36% | 2.35% | 2.54% |
| Q4 2024 | 14.54% | 0.28% | 0.40% | 2.65% | 2.50% |
| Q3 2024 | 14.87% | 0.11% | 0.23% | 1.44% | 2.23% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Pyramax Bank, Fsb | Greenfield , WI | 53220 | $120.6M |
| South Milwaukee Branch | South Milwaukee , WI | 53172 | $75.0M |
| Waukesha Branch | Waukesha , WI | 53186 | $72.2M |
| Mukwonago Branch | Mukwonago , WI | 53149 | $56.5M |
| Frankilin Office | Franklin , WI | 53132 | $56.3M |
| Grafton Office Branch | Grafton , WI | 53024 | $25.7M |
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 |
|---|---|---|---|
| May 1, 2000 | Structure Change | Acquired Mitchell Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 0.2% of deposits in WI, rank 75 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 119 loans originated, $48.2M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $710K approved, $178K 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 Pyramax Bank, F.S.B.
What are Pyramax Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Pyramax Bank, F.S.B. reported total assets of $588.7 million in its FFIEC call report.
Where is Pyramax Bank, F.S.B. headquartered?
It is headquartered in Greenfield, WI, United States.
When was Pyramax Bank, F.S.B. founded?
It was established in 1892, per the FDIC institution directory.
Is Pyramax Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pyramax Bank, F.S.B.?
Pyramax Bank, F.S.B.'s primary federal regulator is the OCC.
What is Pyramax Bank, F.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.91% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pyramax Bank, F.S.B. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pyramax Bank, F.S.B.'s Texas Ratio?
Its Texas Ratio is 1.52% 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 Pyramax Bank, F.S.B. previously called?
The charter now named Pyramax Bank, F.S.B. has also operated as PyraMax Bank, S.S.B. (2000-2003), South Milwaukee Savings Bank (1993-2000), South Milwaukee Savings Bank, S.A. (1990-1993), per FDIC structure-change records.
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