Prevail Bank (FDIC #29294): Bank Stress & Real-Estate Credit Exposure

Prevail Bank (FDIC Cert #29294): bank stress 70/100, elevated, STABLE over 7 days; parent PREVAIL MUTUAL HOLDINGS INC.

Prevail Bank (#29294) lends in 8 counties across 1 state; Prevail Bank (#29294) reaches 117 ZIP codes: Wisconsin 8 counties, 117 ZIPs.

Prevail Bank (#29294) largest markets: Marathon County, WI (29 branches, 29 ZIPs) (#29294), Clark County, WI (21 branches, 21 ZIPs) (#29294), Portage County, WI (21 branches, 21 ZIPs) (#29294), Sauk County, WI (19 branches, 19 ZIPs) (#29294), Wood County, WI (30 branches, 15 ZIPs) (#29294), Eau Claire County, WI (15 branches, 15 ZIPs) (#29294).

Prevail Bank (#29294) reports $1.03 billion in total assets; Prevail Bank (#29294) equity $136.4 million (13.3% of Prevail Bank (#29294) assets); Prevail Bank (#29294) domestic deposits $786.8 million; Prevail Bank (#29294) net income $2.3 million; Prevail Bank (#29294) return on assets 0.45%; Prevail Bank (#29294) return on equity 3.36%; Prevail Bank (#29294) net interest income $13.1 million; Prevail Bank (#29294) call report June 30, 2026.

Prevail Bank (#29294) noncurrent real-estate loans: none reported; Prevail Bank (#29294) net charge-offs on real estate 0.12%.

Prevail Bank (#29294) net interest margin 2.87% against an eight-quarter Prevail Bank (#29294) average of 2.37% (Prevail Bank (#29294) compression -0.50 points); Prevail Bank (#29294) rate-exposure score 40/100, Prevail Bank (#29294) fixed-rate trap 40/100; Prevail Bank (#29294) risk type credit driven; Prevail Bank (#29294) rate regime rates elevated, Prevail Bank (#29294) snapshot October 19, 2026.

Prevail Bank (#29294) stress score moved from 72.2 on June 22, 2026 to 70 on October 20, 2026; Prevail Bank (#29294) ranged 70 to 72.2 over 117 snapshots.

Prevail Bank (#29294) alerts: 8 counties; top Prevail Bank (#29294) alert scores: Eau Claire County, WI 42 (moderate); Baraboo County, WI 23 (low); Medford County, WI 23 (low); Owen County, WI 23 (low); Phillips County, WI 23 (low).