Total Assets
$760M
Total balance-sheet footings
FDIC Cert #14660 · Prairie Du Sac, Wisconsin · Est. 1916
Bank of Prairie du Sac - FDIC Bank Health Profile
A community-scale look at Bank of Prairie du Sac's own numbers, pulled straight from its quarterly FDIC Call Report.
- $760M
- Total assets
- A
- Health grade · Excellent
- 1.46%
- Return on assets
- 21.5%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Prairie du Sac earns a PlainBankData health grade of A (95/100), with well-capitalized at 21.50% Tier 1, profitable at 1.46% ROA, efficient (45% cost ratio).
- #1,310
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 21.50%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bank of Prairie du Sac's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Prairie du Sac's composite health score
Tier 1 Capital Ratio (21.50%) 40/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (0.03%) 20/20
Efficiency Ratio (45.25%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$660M
Customer-funded liabilities
Net Loans
$376M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Prairie du Sac ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Prairie du Sac's score of 95/100 falls in the highlighted band.
Bank of Prairie du Sac's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Prairie du Sac's $760M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
21.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
21.50%
Texas Ratio
0.03%
Equity Capital
$94M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
11.25%
Efficiency Ratio
45.25%
What the numbers say about Bank of Prairie du Sac
Bank of Prairie du Sac is an FDIC-insured institution (Certificate #14660) headquartered in Prairie Du Sac, Wisconsin, established in 1916. It holds $760M in total assets - 1,310th of 4,313 FDIC-insured banks, $660M in customer deposits, and $376M in net loans. Looking at capital strength, Tier 1 stands at 21.50%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.03%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Bank of Prairie du Sac ranks 39th of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$32M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Prairie du Sac reports a Texas Ratio of 0.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Prairie du Sac (FDIC Cert #14660) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Bank of Prairie du Sac's health grade?▼
Bank of Prairie du Sac receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bank of Prairie du Sac?▼
Bank of Prairie du Sac holds $760M in total assets and $660M in deposits, ranking 1,310th of 4,313 FDIC-insured banks by asset size. It is headquartered in Prairie Du Sac, Wisconsin.
Is my money safe at Bank of Prairie du Sac?▼
Yes, deposits at Bank of Prairie du Sac (Certificate #14660) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Prairie du Sac's Tier 1 Capital Ratio?▼
Bank of Prairie du Sac has a Tier 1 Capital Ratio of 21.50%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Bank of Prairie du Sac?▼
Bank of Prairie du Sac has a Texas Ratio of 0.03%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Prairie du Sac?▼
Bank of Prairie du Sac has an Efficiency Ratio of 45.25%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Prairie du Sac's profile as a depositor or analyst.
- Bank of Prairie du Sac's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Prairie du Sac against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.