PIONEER BANK, NATIONAL ASSOCIATION

ALBANY, NY | Large | Est. Jan. 1, 1889, midnight | FDIC #20741 | RSSD #237619 | OCC
Latest Report: 2025-12-31

PIONEER BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in ALBANY, NY, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.8B. Profitability stands at 0.65% ROA and 5.23% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 16.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.67% and a Texas Ratio of 3.70%. FDIC Certificate #20741.

Assets

$2.2B

Deposits

$1.8B

Loans

$1.7B

Equity

$279M

Profitability

Return on Assets (ROA) 0.65%
Return on Equity (ROE) 5.23%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.62%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.67%
Net Charge-Off Ratio 0.01%
Texas Ratio 3.70%
NPA Ratio 0.52%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 16.30%
Tier 1 Capital 16.30%
Total Capital Ratio 17.56%
Leverage Ratio 11.53%
Loan-to-Deposit 93.72%

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