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About the Banks The past and present culture of Pigeon Falls State Bank expresses its principal shareholder's focus on maintaining a strong and secure independent bank in west central Wisconsin where it is exposed to significant outside banking competition. To assure its independence, the Bank will continue to maintain a strong capital ratio. Bendik M. Sletteland organized Pigeon Falls State Bank in 1919. His son, Oscar B. Sletteland, continuously served the Bank as its chief executive until his retirement in 1971. Trained as a lawyer, Oscar B. Sletteland quickly distinguished himself as an agricultural banker and guided the Bank through the Great Depression unscathed. "O.B.", as he was known, stubbornly refused to close the Bank during the "National Bank Holiday" of 1933 because, as he stated, "my Bank has gold." His insistence on maintaining a strong capital base remains a tenet we will not violate. The Sletteland family has always controlled and now totally owns the Bank through its holding company, PFSB Bancorporation, Inc. Given Pigeon Falls' population of only 388 persons, it is and always has been our management's policy to reach out beyond the Bank's immediate community such that its trade area now encompasses eight counties, Trempealeau, Jackson, Eau Claire, Clark, Chippewa, Buffalo, Pepin, and Dunn. The Bank offers individual attention and value-priced services to its customers. The Bank seeks to expand its customer base within a 75-mile radius of Pigeon Falls by targeting personal solicitation and customer referrals. Our focus is on obtaining knowledgeable credit-worthy customers who are attracted by individual attention and continuity of service. This solicitation effort is benefited by the Bank's 92-year reputation of fairly providing banking services and responsibly attending to the individual needs of its customers and its community.

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