TellerScore

Headquartered in Baldwin, Wisconsin, Pillar Bank is a state-chartered bank (fed member) with $267.0M in total assets and $195.8M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1883.

Pillar Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 125th. Problem-loan coverage contributes the most (87/100, 6.3%); capital cushion contributes the least (50/100, 9.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 79.0% · 30.6% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (54 → 62), mostly because the problem-loan coverage component improved by 14 points.

TellerScore
395163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202439
Q3 202441
Q4 202449
Q1 202555
Q2 202554
Q3 202555
Q4 202561
Q1 202663
Q2 202662
Tier 1 leverage ratio
5.00%7.49%9.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.52%
Q3 20249.36%
Q4 20249.11%
Q1 20259.30%
Q2 20259.34%
Q3 20259.22%
Q4 20259.33%
Q1 20269.50%
Q2 20269.99%
Noncurrent loans
0.57%1.68%2.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.78%
Q3 20242.63%
Q4 20241.38%
Q1 20251.43%
Q2 20251.27%
Q3 20251.12%
Q4 20250.57%
Q1 20260.72%
Q2 20260.92%
Return on assets
0.06%0.52%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.50%
Q4 20240.06%
Q1 20250.80%
Q2 20250.76%
Q3 20250.66%
Q4 20250.62%
Q1 20260.98%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$267.0M9.99%0.92%0.97%79.0%
Q1 202663$266.8M9.50%0.72%0.98%79.1%
Q4 202561$266.9M9.33%0.57%0.62%80.8%
Q3 202555$267.4M9.22%1.12%0.66%83.4%
Q2 202554$265.4M9.34%1.27%0.76%81.6%
Q1 202555$258.9M9.30%1.43%0.80%73.1%
Q4 202449$262.0M9.11%1.38%0.06%73.7%
Q3 202441$261.4M9.36%2.63%0.50%76.1%
Q2 202439$257.7M9.52%2.78%0.45%79.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.99%
31st
Total risk-based capital0.00%
24th
Problem loans0.92%
30th
Net charge-offs-0.05%
96th
Return on assets0.97%
32nd
Net interest margin4.03%
55th
Efficiency ratio70.1%
30th
Loans to deposits79.0%
51st
Uninsured deposits30.6%
26th
Loan-loss reserves1.35%
68th
Texas ratio6.3%
30th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Mondovi, WI72 out of 100, Strong$266.0M9.0%0.58%vs
Bank of DeerfieldBank Deerfield, WI76 out of 100, Strong$268.3M10.5%0.13%vs
East Wisconsin Savings BankBank Kaukauna, WI53 out of 100, Below average$265.8M7.1%0.06%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
Ergo BankBank Markesan, WI44 out of 100, Below average$276.7M8.4%1.74%vs
The Farmers State Bank of WaupacaBank Waupaca, WI84 out of 100, Strong$279.5M11.6%0.00%vs

Deposit insurance

Is my money safe at Pillar Bank?

Yes. Pillar Bank is an FDIC-insured institution (FDIC certificate #5336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.6% of deposits ($59.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Pillar Bank lists 7 offices in 7 cities. Most locations:

  • Amery, WI (1)
  • Baldwin, WI (1)
  • Balsam Lake, WI (1)
  • Chippewa Falls, WI (1)
  • Clear Lake, WI (1)
  • Plum City, WI (1)
  • Spring Valley, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pillar Bank reported 31 home-loan applications under HMDA (LEI 549300PQ7WSN8JPB7M42): 20 originated ($5,140,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pillar Bank
Former names
The First Bank of Baldwin; The First National Bank of Baldwin
Type
State-chartered bank (Fed member)
FDIC certificate #
5336
RSSD ID
143952
Primary regulator
FED
Holding company
Baldwin Bancshares Inc
Established
September 23, 1883
Headquarters
990 Main Street, Baldwin, WI 54002
Employees
45

Quick answers

Pillar Bank: common questions

Is Pillar Bank FDIC insured?

Yes. Pillar Bank is an FDIC-insured institution (FDIC certificate #5336). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pillar Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Pillar Bank ever failed?

There is no failure record for FDIC certificate #5336 in the FDIC failed bank list.

How many branches does Pillar Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Baldwin

InstitutionScoreAssetsCapitalProblem loansCompare
Security State Bank of MarineBank Marine On St. Croix, MN82 out of 100, Strong$232.5M10.9%0.13%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
River Falls State BankBank River Falls, WI77 out of 100, Strong$143.2M11.4%0.21%vs
The First National Bank of River FallsBank River Falls, WI75 out of 100, Strong$325.3M10.1%0.38%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs