Bank · FDIC insured
Pillar Bank
A $267M bank headquartered in Baldwin, WI, with 7 branches in Wisconsin. Best rates: CDs 0.45% and savings 0.05% APY.
Pillar Bank Carrot Score
60
Carrot Score
Higher than 0% of U.S. banks and credit unions
#97 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pillar Bank
Established in September 1883 by James A. Decker and Armstrong Taylor, the institution was originally incorporated as the Bank of Baldwin.
Granted a national charter as The First National Bank of Baldwin in 1911, it became First Bank of Baldwin in 2003 and was renamed Pillar Bank in 2023.
The bank operates branch locations across Wisconsin in Amery, Baldwin, Balsam Lake, Chippewa Falls, Clear Lake, Plum City, and Spring Valley.
- Headquarters
- 990 Main Street, Baldwin, WI 54002
- FDIC certificate
- 5336 ↗
Branches
7 branches in Wisconsin
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Wisconsin
7 branches
Minneapolis area · 3
- Pillar BankMain office990 Main Street, Baldwin, WI 54002Directions
- Plum City Branch409 Main St, Plum City, WI 54761Directions
- Spring Valley BranchS320 Mckay Ave, Spring Valley, WI 54767Directions
Amery area · 1
- Amery Branch1080 Cornwall Avenue, Amery, WI 54001Directions
Balsam Lake area · 1
- Balsam Lake Office100 Mill St, Balsam Lake, WI 54810Directions
Eau Claire area · 1
- Chippewa Falls Branch2868 County Highway I, Chippewa Falls, WI 54729Directions
Clear Lake area · 1
- Clear Lake Branch327 3rd Ave, Clear Lake, WI 54005Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.99% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.92% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.97% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio9.99%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.92%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pillar Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.