This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Prairie Du Sac, WI
Health score
88.0
Total assets
$744.5M
Bank
Columbus, WI
Health score
77.3
Total assets
$872.1M
Answer first
Bank of Prairie du Sac leads on financial health and capitalization and lending quality; Farmers and Merchants Union Bank leads on profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Bank of Prairie du Sac
Higher TFS health score
Capitalization
Bank of Prairie du Sac
Higher comparable capital ratio
Profitability
Farmers and Merchants Union Bank
Higher return on assets
Lending quality
Bank of Prairie du Sac
Lower problem-loan measure
Growth
Farmers and Merchants Union Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bank of Prairie du Sac | Farmers and Merchants Union Bank |
|---|---|---|
| TFS health score | 88.0/100Leads | 77.3/100 |
| Total assets | $744.5M | $872.1M |
| Total deposits / shares | $644.3M | $751.9M |
| Tier 1 capital ratio | 13.70%Leads | 9.97% |
| Return on assets | 1.57% | 1.76%Leads |
| Return on equity | 12.46% | 15.11% |
Bank of Prairie du Sac
2 branches
Farmers and Merchants Union Bank
13 branches
Both institutions report branches in 1 state: WI.
Bank of Prairie du Sac
Unavailable
Farmers and Merchants Union Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bank of Prairie du Sac
0 in TFS registry
Farmers and Merchants Union Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bank of Prairie du Sac score | Bank of Prairie du Sac ROA | Farmers and Merchants Union Bank score | Farmers and Merchants Union Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.42% | — | 2.45% |
| 2024-Q4 | — | 1.41% | — | 2.12% |
| 2025-Q1 | — | 1.58% | — | 0.73% |
| 2025-Q2 | — | 1.62% | — | 1.47% |
| 2025-Q3 | — | 1.57% | — | 1.63% |
| 2025-Q4 | — | 1.46% | — | 1.85% |
| 2026-Q1 | 81.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 0.00%Leads | 0.15% |
| Net charge-offs | -0.00% | -0.05%Leads |
| Efficiency ratio | 40.58%Leads | 44.11% |
| Loan-to-deposit ratio | 60.23% | 84.48% |
| Asset growth (YoY) | 15.69% | 33.86%Leads |
| Deposit / share growth (YoY) | 16.74% | 33.10%Leads |
| Branches | 2 | 13 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.47% |
| 79.7/100 |
| 1.84% |
| 2026-Q2 | 88.0/100 | 1.57% | 77.3/100 | 1.76% |