PIONEER BANK

ROSWELL, NM | Large | Est. Feb. 18, 1901, midnight | FDIC #27872 | RSSD #606176 | OCC
Latest Report: 2025-12-31

PIONEER BANK is aln large FDIC-insured commercial bank headquartered in ROSWELL, NM, established in Feb. 18, 1901, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $844M. Profitability stands at 2.16% ROA and 21.88% ROE, with a net interest margin of 4.93%. The bank's CET1 capital ratio is 15.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.64% and a Texas Ratio of 10.60%. FDIC Certificate #27872.

Assets

$1.1B

Deposits

$844M

Loans

$657M

Equity

$113M

Profitability

Return on Assets (ROA) 2.16%
Return on Equity (ROE) 21.88%
Net Interest Margin (NIM) 4.93%
Yield on Assets 5.99%
Cost of Funds 1.09%

Asset Quality

NPL Ratio 1.64%
Net Charge-Off Ratio 0.24%
Texas Ratio 10.60%
NPA Ratio 1.17%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 15.99%
Tier 1 Capital 15.99%
Total Capital Ratio 17.24%
Leverage Ratio 11.49%
Loan-to-Deposit 77.79%

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