PyraMax Bank, FSB

7001 West Edgerton Avenue
Greenfield, WI 53220


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29120
Date Established 1892
Assets $0.49 billion
Loans $0.36 billion
Deposits $0.42 billion
Capital $0.05 billion

PyraMax Bank, FSB is an FDIC insured institution located in Greenfield, WI. It was founded in 1892 and has approximately $0.49 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of PyraMax Bank, FSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $4,999 Learn MoreShow Less
Money Market
0.25% $10,000 $25,999 Learn MoreShow Less
3 Mo CD
0.30% $1,000 - Learn MoreShow Less
6 Mo CD
1.25% $1,000 - Learn MoreShow Less
12 Mo CD
1.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.75% $1,000 - Learn MoreShow Less
36 Mo CD
2.00% $1,000 - Learn MoreShow Less
48 Mo CD
2.25% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $1,000 - Learn MoreShow Less

Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $100 $9,999 Learn MoreShow Less

Loan Rates - August 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PyraMax Bank, FSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

Note to PyraMax Bank, FSB
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Financial Details

PyraMax Bank, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of PyraMax Bank, FSB. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
PyraMax Bank, FSB U.S. Bank Average
3.39% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, PyraMax Bank, FSB had $1,750,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $48,146,000 in equity and $3,426,000 in loans loss reserves. That gives it a Texas Ratio of 3.39%.

Return on Equity
PyraMax Bank, FSB U.S. Bank Average
0.11% 9.47%

PyraMax Bank, FSB has a Return on Equity of 0.11% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

PyraMax Bank, FSB U.S. Bank Average
9.74% 12.49%

PyraMax Bank, FSB has a Capitalization of 9.74% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

PyraMax Bank, FSB Balance Sheet Analysis

As of March 31, 2019, PyraMax Bank, FSB had assets of $494,390,000, loans of $361,130,000, and deposits of $416,982,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.36 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.45 billion
Total deposits $0.42 billion
      Interest-bearing deposits $0.37 billion
      Deposits held in domestic offices $0.42 billion
      % insured (estimated) 90.44%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.45 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $-0.00 billion

Bank Loan Profile?

The top three loan types in PyraMax Bank, FSB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Wisconsin, PyraMax Bank, FSB has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.09
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 0.00
Construction and Development Loans 4.15
Commercial Real Estate 30.99
Commercial and Industrial Loans 8.76
Farm Loans 0.00

Frequently Asked Questions About Pyramax Bank, Fsb

Branches and Savings

Is Pyramax Bank, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #29120.

Why does Pyramax Bank, Fsb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Pyramax Bank, Fsb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Pyramax Bank, Fsb a commercial bank?


Where are Pyramax Bank, Fsb locations?

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Does Pyramax Bank, Fsb offer mortgages?

Compare mortgage rates here.

Does Pyramax Bank, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pyramax Bank, Fsb offer personal loans?

Compare personal loan rates here.

Does Pyramax Bank, Fsb offer student loans?

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Does Pyramax Bank, Fsb do currency exchange?

Background on The Bank

Who owns Pyramax Bank, Fsb?

How long has Pyramax Bank, Fsb been around?

Can Pyramax Bank, Fsb transfer to other banks?

Does Pyramax Bank, Fsb have quick pay?

Does Pyramax Bank, Fsb accept rolled coins?

Will Pyramax Bank, Fsb accept loose change?

Where is Pyramax Bank, Fsb headquarters?

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