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PyraMax Bank, FSB

$100M-$1B Specialty: Commercial WI FDIC cert 29120

Greenfield, WI

6 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -3.2% year over year ($406.2M on the books).
  • Delinquency rate 0.25%.
  • Return on assets 0.44%.
  • Efficiency ratio 80.35% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

PyraMax Bank, FSB has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.1% in tier
  • - Efficiency Drag: Bottom 23.8% in tier
  • - Deposit Outflow: Bottom 37.2% in tier
  • - Capital Constraint: Bottom 78.5% in tier
  • - Net Interest Margin 1.18% below tier average
  • - ROA 0.88% below tier average
Get updates when PyraMax Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $588.7M
-3.4% YoY -1.1% QoQ
+$202.2M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
80%
Total Loans ? $414.3M
-6.8% YoY -3.1% QoQ
+$155.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $406.2M
-3.2% YoY +0.9% QoQ
+$79.5M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 0.44%
+9.8% YoY -8.9% QoQ
-0.88% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 10.6% in tier
Net Interest Margin ? 2.80%
+6.0% YoY +3.3% QoQ
-1.18% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 6.2% in tier
Efficiency Ratio ? 80.35%
-3.0% YoY -0.8% QoQ
+15.87% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 13.3% in tier
Delinquency Rate ? 0.25%
-21.2% YoY -12.7% QoQ
-0.67% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 101.98%
-3.7% YoY -3.9% QoQ
+24.02% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 7.9% in tier
Non-Interest-Bearing Deposit Share ? 19.33%
-0.4% YoY +6.8% QoQ
-2.70% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
42%
Nonperforming Asset Ratio ? 0.18%
-23.9% YoY -14.5% QoQ
-0.49% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 14.91%
+10.2% YoY +1.7% QoQ
-1.00% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
65%
Non-Interest Income / Assets ? 0.22%
+9.1% YoY +88.5% QoQ
-0.35% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 19.3%
-0.1pp YoY
+1.2pp QoQ
 -2.8pp 22.1% 18.9% 22.2% 42%
Brokered Deposits 2.2%
-2.2pp YoY
-1.3pp QoQ
 -5.6pp 7.9% 9.2% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 10.7%
-1.1pp YoY
-0.4pp QoQ
 -0.8pp 11.6% 10.5% 12.5% 57%
CRE 60.7%
-1.4pp YoY
-0.6pp QoQ
 +21.1pp 39.5% 46.4% 41.4% 85%
1-4 Family 29.7%
+2.5pp YoY
+0.9pp QoQ
 -3.0pp 32.6% 32.3% 31.3% 51%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 2.6% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 14.9%
+1.4pp YoY
+0.2pp QoQ
 -3.9pp 18.8% 15.5% 19.7% 48%
Leverage Ratio 11.2%
+0.4pp YoY
-0.1pp QoQ
 -0.9pp 12.2% 12.6% 12.6% 54%
Total Capital Ratio 16.1%
+1.5pp YoY
+0.3pp QoQ
 -3.8pp 19.9% 16.6% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 85
0 YoY
-1 (-1.2%) QoQ
 +26 58 134 482 80%
Assets per Employee ($) $6.9M
-3.4% YoY
+0.1% QoQ
 -$592K $7.5M $8.2M $8.8M 51%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.9% 1.0% 34%
Allowance Coverage 4.27x
+27.5% YoY
+11.2% QoQ
 -19.88x 24.15x 56.89x 20.23x 67%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 4.0%
+0.1pp YoY
-0.4pp QoQ
 -8.2pp 12.2% 11.8% 11.6% 11%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 78%
Net Income ($, YTD) $1.3M
+10.7% YoY
— QoQ
 -$1.3M $2.6M $7.9M $40.4M 36%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Strain

risk
#64 of 691 • Bottom 9.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 101.98%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#87 of 361 • Bottom 23.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.35%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#200 of 535 • Bottom 37.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Capital Constraint

risk
#85 of 107 • Bottom 78.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 101.98%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.91%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

512
Total Loans
size
Value: $414.26M
Peer Median: $258.35M
#512 of 2643 Top 19.3% in $100M-$1B
539
Total Assets
size
Value: $588.74M
Peer Median: $386.57M
#539 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (4 metrics)

2480
Net Interest Margin
profitability
Value: 2.80%
Peer Median: 3.99%
#2480 of 2643 Bottom 6.2% in $100M-$1B
2434
Loan-to-Deposit Ratio
liquidity
Value: 101.98%
Peer Median: 77.95%
#2434 of 2643 Bottom 7.9% in $100M-$1B
2363
Return on Assets
profitability
Value: 0.44%
Peer Median: 1.32%
#2363 of 2643 Bottom 10.6% in $100M-$1B
2293
Efficiency Ratio
profitability
Value: 80.35%
Peer Median: 64.48%
#2293 of 2643 Bottom 13.3% in $100M-$1B
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