Pillar Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Pillar Bank is the primary bank subsidiary of its parent holding company, headquartered in Baldwin, WI. On its most recent Q2 2026 call report, Pillar reported $267M in total assets against $196M in deposits. Profitability tracks the broader industry: ROA 0.98%, ROE 12.41%, NIM 4.00%. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.99% exceeds the CBLR threshold. Asset quality is solid, 0.60% nonperforming loans and a 6.67% Texas Ratio. 7 branches make up the footprint.
As of June 30, 2026, Pillar Bank reported a Tier 1 leverage ratio of 9.99%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.60%, a Texas ratio of 6.67%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 990 Main Street, Baldwin, WI 54002
- County
- St. Croix
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 23, 1883
- Former names
- The First Bank of Baldwin (2003-2023)
- Offices
- 7 domestic
- Employees (FTE)
- 45
- Domestic deposits
- $195.8M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- -$39K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5336
- Fed RSSD
- 143952
- SEC CIK
- 1544866 → filed by BALDWIN BANCSHARES, INC.
- Website
- www.pillar.bank →
- Parent Holding Company
- BALDWIN BANCSHARES, INC. (RSSD 1128639)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pillar Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pillar 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Pillar Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.99% | 0.98% | 0.60% | 6.67% | 4.00% |
| Q1 2026 | 9.50% | 0.98% | 0.58% | 5.42% | 3.88% |
| Q4 2025 | 9.33% | 0.52% | 0.42% | 4.50% | 3.91% |
| Q3 2025 | 9.22% | 0.46% | 1.12% | 12.76% | 3.58% |
| Q2 2025 | 9.34% | 0.73% | 1.14% | 14.69% | 3.62% |
| Q1 2025 | 9.30% | 0.81% | 1.26% | 12.08% | 3.79% |
| Q4 2024 | 9.11% | -1.28% | 1.38% | 12.88% | 3.38% |
| Q3 2024 | 9.36% | 0.60% | 2.62% | 21.05% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pillar Bank (main office) | Baldwin , WI | 54002 | $107.1M |
| Spring Valley Branch | Spring Valley , WI | 54767 | $34.6M |
| Balsam Lake Office | Balsam Lake , WI | 54810 | $18.3M |
| Chippewa Falls Branch | Chippewa Falls , WI | 54729 | $11.8M |
| Plum City Branch | Plum City , WI | 54761 | $11.0M |
| Clear Lake Branch | Clear Lake , WI | 54005 | $7.6M |
| Amery Branch | Amery , WI | 54001 | $5.5M |
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 |
|---|---|---|---|
| August 4, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 4, 2007 | Structure Change | Acquired The Bank of Spring Valley 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
What the public regulatory sources show for Pillar Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- July 26, 2011, Federal Reserve: Written Agreement: The First Bank of Baldwin, Baldwin, Wisconsin
- Period: Most recent institution action July 26, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WI, rank 125 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 20 loans originated, $5.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pillar Bank
What are Pillar Bank's total assets?
As of the Q2 2026 filing, Pillar Bank reported total assets of $267.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pillar Bank headquartered?
Pillar Bank is headquartered in Baldwin, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pillar Bank founded?
Pillar Bank was established in 1883, per the FDIC institution directory.
Is Pillar Bank FDIC-insured?
Yes. Pillar Bank is an FDIC-insured commercial bank (FDIC Certificate #5336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pillar Bank?
Pillar Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Pillar Bank operate?
Pillar Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pillar Bank's Texas Ratio?
Pillar Bank's Texas Ratio is 6.67% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Pillar Bank previously called?
The charter now named Pillar Bank has also operated as The First Bank of Baldwin (2003-2023), per FDIC structure-change records.
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