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Prevail Bank

$1B-$10B Specialty: Commercial WI FDIC cert 29294

Designations: ✓ Community bank

Medford, WI

9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +5.5% year over year ($786.8M on the books).
  • Delinquency rate 0.20%.
  • Return on assets 0.45%.
  • Efficiency ratio 79.68% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.32% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

Prevail Bank has 1 strength but faces 4 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

  • + Credit Quality Leader: Top 19.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 21.3% in tier
  • - Return on Assets 0.94% below tier average
  • - Efficiency Ratio 19.95% above tier average
  • - Net Interest Margin 1.00% below tier average
Get updates when Prevail Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $1.0B
+5.5% YoY +1.6% QoQ
-$1.8B $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Bottom 2.4% in tier
Total Loans ? $734.2M
+4.2% YoY -1.2% QoQ
-$1.2B $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Bottom 9.5% in tier
Total Deposits ? $786.8M
+5.5% YoY +3.8% QoQ
-$1.5B $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Bottom 1.6% in tier
Return on Assets ? 0.45%
+164.8% YoY +73.5% QoQ
-0.94% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 6.6% in tier
Net Interest Margin ? 2.87%
+26.0% YoY +3.8% QoQ
-1.00% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 11.0% in tier
Efficiency Ratio ? 79.68%
-10.4% YoY -9.2% QoQ
+19.95% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 7.3% in tier
Delinquency Rate ? 0.20%
-0.3% YoY +36.8% QoQ
-0.66% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 93.32%
-1.2% YoY -4.9% QoQ
+8.28% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 10.20%
+5.7% YoY +10.5% QoQ
-11.08% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Bottom 11.2% in tier
Nonperforming Asset Ratio ? 0.15%
-1.5% YoY +33.0% QoQ
-0.53% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 12.60%
-0.8% YoY -0.3% QoQ
-2.25% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.13%
+11.1% YoY +114.7% QoQ
-0.40% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Bottom 13.3% in tier

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 10.2%
+0.6pp YoY
+1.0pp QoQ
 -11.2pp 21.4% 18.9% 22.2% 11%
Brokered Deposits 8.5%
+3.9pp YoY
0.0pp QoQ
 -0.9pp 9.5% 9.2% 8.5% 64%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 5.2%
0.0pp YoY
-0.7pp QoQ
 -8.8pp 14.0% 10.5% 12.5% 19%
CRE 57.6%
+5.9pp YoY
+1.0pp QoQ
 +7.6pp 50.0% 46.4% 41.4% 70%
1-4 Family 35.0%
-5.0pp YoY
-0.2pp QoQ
 +8.5pp 26.4% 32.3% 31.3% 75%
Consumer 1.4%
-0.7pp YoY
-0.1pp QoQ
 -3.3pp 4.7% 2.6% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.5% 19.7% n/a
Leverage Ratio 12.6%
-0.1pp YoY
0.0pp QoQ
 +1.3pp 11.3% 12.6% 12.6% 81%
Total Capital Ratio n/a n/a 16.7% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 124
+3 (+2.5%) YoY
+4 (+3.3%) QoQ
 -190 313 134 482 15%
Assets per Employee ($) $8.3M
+3.0% YoY
-1.7% QoQ
 -$2.2M $10.5M $8.2M $8.8M 45%
Branch Count 9
0 YoY
0 QoQ
 -11 20 9 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
+0.1pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 22%
Allowance Coverage 5.90x
+10.6% YoY
-24.4% QoQ
 -12.81x 18.71x 56.89x 20.23x 81%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.2% 25%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 3.4%
+2.0pp YoY
+1.4pp QoQ
 -9.2pp 12.6% 11.8% 11.6% 4%
Cost of Funds (YTD) 2.2%
-0.1pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.8% 1.7% 74%
Net Income ($, YTD) $2.3M
+174.8% YoY
— QoQ
 -$17.0M $19.2M $7.9M $40.4M 4%

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 (1)

Credit Quality Leader

growth
#45 of 221 • Top 19.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.20%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#78 of 361 • Bottom 21.3% 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: 93.32%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

184
Nonperforming Asset Ratio
credit_quality
Value: 0.15%
Peer Median: 0.67%
#184 of 885 Top 20.7% in $1B-$10B
197
Delinquency Rate
credit_quality
Value: 0.20%
Peer Median: 0.87%
#197 of 882 Top 22.2% in $1B-$10B

Top Weaknesses (8 metrics)

872
Total Deposits
size
Value: $786.77M
Peer Median: $2.32B
#872 of 885 Bottom 1.6% in $1B-$10B
865
Total Assets
size
Value: $1.03B
Peer Median: $2.79B
#865 of 885 Bottom 2.4% in $1B-$10B
828
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.39%
#828 of 885 Bottom 6.6% in $1B-$10B
821
Efficiency Ratio
profitability
Value: 79.68%
Peer Median: 59.73%
#821 of 885 Bottom 7.3% in $1B-$10B
802
Total Loans
size
Value: $734.18M
Peer Median: $1.96B
#802 of 885 Bottom 9.5% in $1B-$10B
789
Net Interest Margin
profitability
Value: 2.87%
Peer Median: 3.87%
#789 of 885 Bottom 11.0% in $1B-$10B
787
Non-Interest-Bearing Deposit Share
funding
Value: 10.20%
Peer Median: 21.27%
#787 of 885 Bottom 11.2% in $1B-$10B
768
Non-Interest Income / Assets
revenue_mix
Value: 0.13%
Peer Median: 0.53%
#768 of 885 Bottom 13.3% in $1B-$10B
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