Prevail Bank: how it compares with its peers
Against 51 WI banks with half to twice its assets, Prevail Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $7.4M peer median). Its weakest relative measure is return on assets (0.45% vs. 1.21%).
| Measure | Prevail Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.45% | 1.21% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.87% | 3.79% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.68% | 60.49% | Bottom third Ahead of 12% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $7.4M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.32% | 89.81% | Context |
What it means for lending operations
Its efficiency ratio of 79.68% is above the 60.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- River Bank Stoddard, WI · $1.02B
- Security Financial Bank Durand, WI · $1.04B
- The Port Washington State Bank Port Washington, WI · $1.01B
- Bank Cmg Madison, WI · $1.06B
- Great Midwest Bank, S.S.B. Brookfield, WI · $1.06B
- Peoples State Bank Prairie Du Chien, WI · $993M
Questions about Prevail Bank
How big is Prevail Bank?
Prevail Bank, established in 1935, is headquartered in Medford, WI. It reported $1.03B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Prevail Bank's return on assets?
0.45% annualized in Q2 2026, against a 1.21% median for 51 WI banks with half to twice its assets, ahead of 4% of them.
What is Prevail Bank's efficiency ratio?
79.68% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 60.49%, and lower is better.
Is Prevail Bank growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.