BanksPIONEER BANK

PIONEER BANK

ROSWELL, NMLargeEst. Feb. 18, 1901, midnightFDIC #27872RSSD #606176OCC
Latest · 2025-12-31

PIONEER BANK is an 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%. CET1 capital ratio: 15.99%, well above regulatory minimums. NPL ratio: 1.64% · Texas Ratio: 10.60%. Operates 11 domestic branches.

Assets
$1.1B
Deposits
$844M
Loans
$657M
Equity
$113M

Profitability

Return on Assets (ROA)2.16%
Return on Equity (ROE)21.88%
Net Interest Margin4.93%
Yield on Assets5.99%
Cost of Funds1.09%

Asset Quality

NPL Ratio1.64%
Net Charge-Off Ratio0.24%
Texas Ratio10.60%
NPA Ratio1.17%
ACL / Loans1.79%

Capital & Liquidity

CET1 Ratio15.99%
Tier 1 Capital15.99%
Total Capital Ratio17.24%
Leverage Ratio11.49%
Loan-to-Deposit77.79%

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