# PILLAR BANK
BALDWIN, WI · FDIC certificate 5336 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $267.0M | |
| Deposits | $195.8M | |
| Loans and leases | $156.7M | |
| Total equity | $21.0M | |
| Loans / deposits | 78.97% (p60 of band) | 73.59% |
| Liquid assets / assets | 35.52% (p56 of band) | |
| Uninsured deposits / deposits | 30.61% (p83 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 18.45% (p94 of band) | |
| FHLB advances / assets | 18.45% | |
| Tier 1 leverage | 9.99% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | -35.20% (p11 of band) | -6.57% |
| AOCI / equity | 0.28% (p92 of band) | |
| ROA (annualized) | 0.97% (p38 of band) | 1.17% |
| Net interest margin | 4.03% (p56 of band) | 3.93% |
| Efficiency ratio | 70.11% (p60 of band) | |
| Noncurrent loans | 0.92% (p69 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 146.30% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 31.68% (p65 of band) | |
| Auto loans | $591,000 (0.38% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $750,000 (4% of equity) (p97 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | leverage <7%, losing money, charge-offs p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | uninsured deposits leaving | losing money |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2012-12 | 3 |  | reserve under noncurrent |
| 2013-03 | 2 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | leverage <7% |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 3 | reserve under noncurrent, assets shrinking |  |
| 2016-09 | 2 |  | assets shrinking |
| 2016-12 | 0 |  | deposits shrinking, reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | wholesale funding >15%, capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 | uninsured deposits leaving | reserve under noncurrent, capital falling |
| 2020-03 | 1 |  | uninsured deposits leaving |
| 2020-06 | 3 | capital falling, reserve under noncurrent |  |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | construction >100% equity | wholesale funding >15% |
| 2023-03 | 2 | expense ratio p90 | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 5 | wholesale funding >15% |  |
| 2024-03 | 4 |  | expense ratio p90 |
| 2024-06 | 5 | deposits shrinking |  |
| 2024-09 | 4 |  | deposits shrinking |
| 2024-12 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2025-03 | 3 |  | capital falling, charge-offs p90 |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | reserve under noncurrent |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-11 [START UP: Pillar Bank Focuses on Supporting Relationships - Volume One](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUjdvQ3VQOTdMMm5ESDhFa3AzbmZjTTMxR1FBY0hMT0FuRm9hbzBVWWNROXlYcGktbk9tZHBxOThVdl9EaEF5SWtHTm1Wa0lJNGNTX3JYeHZaeWticTdudjRSWDE1RUFFdFRIZ0JTdjRIU1VxbGprRjVEWS1wSXVZbzVMZW1MNWYwWVF4MUM3LTFEN25yV3ctZlBDWXd3NGdHNlFEbUM0cGs?oc=5) · Volume One
- 2025-04-10 [Pillar Bank named Chamber Large Business of the Year - baldwin-bulletin.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQYWxWR1h4TzhiZHY0SXM1c3VWMmhfcUNJUXRQRlFoUTBOMlprbVU2YW5EYlJEbUJpcEZ1Yl9ET0NyeFhTTkhkR2ZmVlNnbWNxNEMxc191dTNqQ1h3SmttMEZ3VjFmX19JS3hxX3k5ZjBQdFZGOTVHSWNvUDhmMlVvWlZWUW5JWGJ0UmEzdTFraEZ0WURJb09DQUVUdlR2cndoSWp2R3FJc0tiZW8zQ3NqZHlGOExHb2d4RzExUEhkTEpycVhYM0VKZHQ1VTkweC0yY1hHWExNVQ?oc=5) · baldwin-bulletin.com
- 2025-02-26 [Lock this story in the 135-year-old vault - Pierce County Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxOTzZtUFZweG9PSC1hNlYtYUR2eFRyVlBkM0tRSmQ3ZDBOSFhycHNnZUpic1N1MTM1X0FPSzFlRGgzTjBHeGljaVRzcVJnMnZQZWJRcE5hRTVpOXduWWhUWmVGeWczX0cyYlhKV3lJdDQydWF2T2dpVDNGSGpZTnFoLXRTcklkN19nTzA4akRGZVBnUF9CT2xRcA?oc=5) · Pierce County Journal
- 2025-12-03 [In New Richmond, first home from Starter Home Project goes on the market - Hudson Star Observer](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPLW40d0k0dU5XQjJzTWsyeUxvSGpaTVBYUF8zVndZcEVNcGZUd0QwMXFNYk1sWG55WDBGTHVDckFONW80Ny11eGhESzMzNHhtSFZFWUdFZm53MURaVWFWU0IyVFlrNGh1S3ZUZ0NodUtlS3pMNDJhWjBaNjZKN1owOWlEMUF3SHpwbi1rSFFxOWJSc0dESzhRTU1pV0tnMThJbUZXYTN2U2lqRTg3ZEE4QldVanEzLXdxRjlLRVNiVG5ZUWxHMnJHLUVWcXA3bDhsX1Z6YVBiRVU5S0RmLVd4VnJsel9hbGl1OEoyUnBTcnZaXzg?oc=5) · Hudson Star Observer
- 2024-09-20 [Judge says widow of downtown St. Paul’s largest building owner is on the hook for loan - startribune.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPNmc3SDhEZmw0d05McW0xQnY4R1huaWRfX2VjTWxrNkJ0VGdPMEw4OEFGNjVsTjRQbkY2SXQ3OGU5dEozdVpNTVlqa0tBY1ZPa29nRlFxdTFYZC1yemNCZmZnYmFvZE9jd3htazFEMzcyUzFJTU1jR05weUVMSlpub0xncU50TmlUaGl4VnZuRVAxUnhJUjg5V2pXbjJMVGR2RVFnSzEwNG1UMFE1a0c4?oc=5) · startribune.com
- 2024-10-28 [Owner of St. Paul's Park Square Court building sued over loan - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQZGJ1a1doMUdCcHB5X3Q3MmIyTk8tcm1mMG9hakN2UUhlTEk2VlR6UXpjV1NUTWZUTFlCa0Nwb1FFNzEyNFljT25LcFpTcE5HWGNBaFhvTFBWMWdzWW92Ri1DeHNDaS1TcXFkRUdXMk9pSW5LS2JTS2daQ01jRzdDTnF1Slp1LVI4SVBENDRTTl85blZaY3lzU0l0WFZUVFlLM1Zld1VsLTAzbFBt?oc=5) · The Business Journals
- 2026-06-03 [What’s new at the Pierce County Fair in 2026? - Pierce County Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVjFsS01la1F4SFFBYTJJeExmMEJrSFlsdXNKX2lXYUxLaEx5VUc2bUxkTnJSLUE0aXZlVEFlS2c2NXVfLW9hdFJ6ZEZzQjA3T3lHOUFpSTZ2bWNzdGZyaGUzQlVlNU54ckJyZVF4OHg3ZHZhaUNfNEJXRXU5emhISVo3REdsazNZcWdGV2V2aURsUVJiWHFLU3RSYw?oc=5) · Pierce County Journal
- 2024-08-01 [Food Pantry needs public’s help - baldwin-bulletin.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOVkZZRHlTNXJRQlhaOWQ3Z0VWd1RILVZac0Z1eWR2amR5aVJMTmlJUG1xQ2lBb1VBeTRhMkJ0MEFJa3lfaXBTb0ZxVks5SVBfWWpMWXRiS3hMR2VZWnhpUXFIaExZQUNhTlNTSzF2OGo3Q2d4WVAtSFkxLUFWemdvODE3RmZPMGJ2Z1d2WTBqTkFNNVZ5aEN2WkdibHJodXhjalUxUllGaEkzRVhMdzlsbGFTQkV1cmdlTWM2VWd6UQ?oc=5) · baldwin-bulletin.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5336 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "5336", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide