Pillar Bank (FDIC #5336): Bank Stress & Real-Estate Credit Exposure

Pillar Bank (FDIC Cert #5336): bank stress 79/100, severe, STABLE over 7 days; parent BALDWIN BANCSHARES INC.

Pillar Bank (#5336) lends in 4 counties across 1 state; Pillar Bank (#5336) reaches 57 ZIP codes: Wisconsin 4 counties, 57 ZIPs.

Pillar Bank (#5336) largest markets: Polk County, WI (60 branches, 20 ZIPs) (#5336), St. Croix County, WI (18 branches, 18 ZIPs) (#5336), Chippewa County, WI (14 branches, 14 ZIPs) (#5336), Pierce County, WI (26 branches, 13 ZIPs) (#5336).

Pillar Bank (#5336) reports $267.0 million in total assets; Pillar Bank (#5336) equity $21.0 million (7.9% of Pillar Bank (#5336) assets); Pillar Bank (#5336) domestic deposits $195.8 million; Pillar Bank (#5336) net income $1.3 million; Pillar Bank (#5336) return on assets 0.97%; Pillar Bank (#5336) return on equity 12.78%; Pillar Bank (#5336) net interest income $4.9 million; Pillar Bank (#5336) call report June 30, 2026.

Pillar Bank (#5336) noncurrent real-estate loans: none reported; Pillar Bank (#5336) net charge-offs on real estate 0.32%.

Pillar Bank (#5336) net interest margin 4.03% against an eight-quarter Pillar Bank (#5336) average of 3.74% (Pillar Bank (#5336) compression -0.28 points); Pillar Bank (#5336) rate-exposure score 40/100, Pillar Bank (#5336) fixed-rate trap 40/100; Pillar Bank (#5336) risk type credit driven; Pillar Bank (#5336) rate regime rates elevated, Pillar Bank (#5336) snapshot October 20, 2026.

Pillar Bank (#5336) stress score moved from 78.1 on June 22, 2026 to 78.7 on October 20, 2026; Pillar Bank (#5336) ranged 78.1 to 78.7 over 117 snapshots.

Pillar Bank (#5336) alerts: 4 counties; top Pillar Bank (#5336) alert scores: Baldwin County, WI 26 (low); Chippewa Falls County, WI 26 (low); Clear Lake County, WI 26 (low); Spring Valley County, WI 26 (low).