Bank of Prairie du Sac

What Bank of Prairie du Sac does

Bank of Prairie du Sac is an independent, privately-held community bank chartered in 1916 in Prairie du Sac, Wisconsin, operating under holding company PdS Bancorp, Inc. with $760 million in total assets as of year-end 2025. The bank serves individuals, families, small businesses, agricultural operations, and homebuyers across the greater Sauk Prairie area in South Central Wisconsin through two full-service branches in Prairie du Sac and Sauk City. Its product set spans consumer and business checking/savings, certificates of deposit, IRAs, HSAs, personal and student loans, business and agricultural loans, fixed and adjustable-rate mortgages, wealth management, and merchant services, with the lending portfolio driven by a mix of consumer, small business, commercial, and agricultural credit.

The bank's technology stack combines in-branch service with digital channels including online banking, a native mobile app (powered by Malauzai), text banking, mobile deposit, and card controls with biometric login. Operational integrations include Finastra for ACH origination and wire transfers, Allied Payment Network for picture-based bill pay, Visa for card issuing and the Visa Updater service, Kasasa (a Jack Henry & Associates product) for rewards checking, and MortgageWebCenter for mortgage applications. The bank emphasizes local decision-making, FDIC-insured deposits (NMLS #673057), and community reinvestment, supported by a board of directors that includes agricultural representation (Mystic Valley Dairy owner Mitch Breunig) and long-tenured local community members.

Revenue is generated primarily through net interest income from loans across consumer, commercial, agricultural, and mortgage portfolios, supplemented by deposit account fees, Visa credit card interchange and interest, wealth management fees, merchant services, safe deposit box rentals, and ancillary digital banking service fees. Distribution is omnichannel: two physical branches, phone banking, online and mobile self-service platforms, ATM access, and an internal business banking center for ACH and cash management services. Marketing relies on community presence (Dairy Day, Shred Fest, Christmas Open House, Chamber of Commerce), an active social media presence, and a content blog rather than paid acquisition channels.

Name

Bank of Prairie du Sac

Legal name

Bank of Prairie du Sac

Website

https://bankpds.com

Company type

Private

Founded year

1916

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank of Prairie du Sac is an independent community bank founded in 1916 serving the Sauk Prairie area of Wisconsin with $760 million in assets, offering consumer, business, agricultural, and mortgage lending alongside digital and branch-based banking through two locations.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking services
• Agricultural lending
• Mortgage origination
• Business cash management
• Wealth management advisory

Headquarters

HQ city

Prairie Du Sac

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on various loan products including personal loans, mortgages, home equity loans, business loans, and agricultural loans. Interest rates are offered on fixed and variable terms.
2. Deposit Account Fees: Fees associated with deposit accounts including checking, savings, and money market accounts. This includes potential NSF fees, overdraft fees, and research fees for transaction inquiries.
3. Credit Card Revenue: Revenue generated from Visa credit cards including interchange fees and interest on revolving balances
4. Wealth Management Services: Financial advisory and wealth management services for personal and business customers including retirement planning
5. Digital Banking Services: Potential fees for services like wire transfers, stop payments, research requests, and expedited mail
6. Merchant Services: Payment processing and merchant services for business customers accepting card payments
7. Safe Deposit Boxes: Annual rental fees for safe deposit boxes stored at bank locations

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels2 records

Core offering

Bank of Prairie du Sac is an independent community bank that provides personal and business deposit accounts, consumer and commercial loans, mortgage origination, agricultural lending, wealth management, and merchant services. It also delivers digital banking through online, mobile, and text channels, with safe deposit box and card services supporting both consumer and small business customers in the Sauk Prairie area of Wisconsin.

Product overview

Bank of Prairie du Sac offers a comprehensive suite of traditional banking products combined with digital banking services. The core offering includes personal and business checking/savings accounts, loans (personal, mortgage, business, and agricultural), and wealth management. Digital services are delivered through Online Banking (web), Mobile App, and Text Banking platforms. Key digital capabilities include Mobile Deposit, Bill Pay, Send Money (ACH transfers), and Business Online Banking with ACH origination and wire transfers. The bank also provides specialized services like merchant services, cash management for businesses, and mortgage originations through an integrated third-party platform. The digital banking infrastructure is powered by Malauzai for mobile and Finastra for funds transfer operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts
• Savings and CDs
• IRAs and HSAs
• Personal Online Banking
• Mobile Banking App
• Bill Pay
• Mobile Deposit
• Text Banking
• Credit Cards
• Personal Loans
• Student Loans
• Wealth Management
• Home Mortgage Loans
• MortgageWebCenter Online Application
• Business Checking Accounts
• Business Savings and CDs
• Business Loans
• Agricultural Loans
• Business Online Banking
• Cash Management
• Merchant Services
• Wire Transfers
• Safe Deposit Boxes
• SOAR Youth Debit Account
• Kasasa Protect

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability7 records

Feature11 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FinastracoreTechnology or IntegrationBank of Prairie du Sac uses Finastra as its agent for funds transfer services, including ACH origination and processing. Finastra provides the technology platform for business online banking functions.
• Shred-ItminorOthersDocument destruction service provider for Shred Fest annual community events. Provides secure shredding services for customers disposing of sensitive documents.
• VisacoreTechnology or IntegrationPartnership with Visa for credit and debit card issuing. Includes Visa Updater service for automatic payment credential updates with merchants when cards are reissued.
• Kasasa (Jack Henry)coreTechnology or IntegrationRewards checking account program providing Kasasa Cash (high interest), Kasasa Cash Back (rewards), and Kasasa Protect (identity protection). Part of Jack Henry & Associates banking technology ecosystem.
• Sauk Prairie Area Chamber of CommercecoreStrategic or Co-development PartnerActive participation in chamber events and community initiatives. Staff members participate in chamber activities and the bank sponsors chamber events including the Annual Dinner & Awards Night.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• State Bank of Cross Plains: Independent Wisconsin community bank headquartered in Cross Plains (Dane County) with similar size, customer segments, and community-banking model. Operates as a state-chartered commercial bank serving consumers, small businesses, and agricultural borrowers in a similar South Central Wisconsin footprint — directly comparable in product mix, scale, and GTM motion.
• Forward Bank: Wisconsin-based independent community bank (formerly Pioneer Bank) serving central and northern Wisconsin communities. Comparable in mission, product set (personal, business, ag lending), and community-led GTM approach — a strong functional comparable for a Wisconsin community bank of similar size.
• Waukesha State Bank: Independently owned Wisconsin community bank offering personal, business, and mortgage banking with comparable digital and branch-based delivery. Similar in independent ownership structure, product breadth, and community focus to Bank of Prairie du Sac.
• Hometown Bank (Wisconsin): Independent Wisconsin community bank headquartered in Wausau, serving consumers, small businesses, and farms across north-central Wisconsin. Highly comparable in product offering, community-led positioning, and independent ownership structure.
• First National Bank of Park Falls: Small independent community bank in northern Wisconsin serving a rural, agricultural and small business customer base. Similar in mission, product set, and independent community bank model — a useful size and structure comparable for a two-branch Wisconsin community bank.

Broad incumbents

• Associated Bank: Green Bay-headquartered regional bank with deep Wisconsin retail, business, and ag banking presence. Overlaps directly with Bank of Prairie du Sac on consumer deposits, small business lending, and mortgage products, but at substantially greater scale and geographic reach.
• BMO Harris Bank: Major U.S. subsidiary of BMO Financial Group with extensive Wisconsin branch network. Competes head-to-head for consumer and small business deposits in Sauk County and surrounding markets, offering broader product capabilities and pricing flexibility than a community bank.
• Old National Bank: Large Midwest community-focused bank formed through community bank consolidations, with a comparable emphasis on relationship banking, ag lending, and commercial banking. Represents the scaled community banking model that Bank of Prairie du Sac could grow into through M&A or organic expansion.
• Johnson Financial Group: Wisconsin-based privately held financial services company with banking, wealth, and insurance operations. Competes in the same Wisconsin consumer and business banking markets and represents a larger but still locally rooted community banking competitor.

Others

• Jack Henry & Associates: Core banking technology provider whose Jack Henry ecosystem powers Kasasa rewards products and supporting infrastructure used by Bank of Prairie du Sac. Included as a relevant ecosystem participant, not a direct competitor — useful for understanding the bank's technology stack and vendor economics.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/BankOfPdS
• YouTubeyoutube.com/channel/UC2mhp3Qj3REdhOmJCPvknNw
• Facebookfacebook.com/bankofprairiedusac
• LinkedInlinkedin.com/company/bank-of-prairie-du-sac

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank of Prairie du Sac