PIONEER TRUST BANK, NATIONAL ASSOCIATION

SALEM, OR | Medium | Est. Jan. 1, 1924, midnight | FDIC #19827 | RSSD #852973 | OCC
Latest Report: 2025-12-31

PIONEER TRUST BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in SALEM, OR, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $735M and total deposits of $628M. Profitability stands at 2.32% ROA and 16.12% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 20.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 6.53%. FDIC Certificate #19827.

Assets

$735M

Deposits

$628M

Loans

$491M

Equity

$106M

Profitability

Return on Assets (ROA) 2.32%
Return on Equity (ROE) 16.12%
Net Interest Margin (NIM) 4.71%
Yield on Assets 6.39%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio 0.46%
Texas Ratio 6.53%
NPA Ratio 1.02%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 20.11%
Tier 1 Capital 20.11%
Total Capital Ratio 21.37%
Leverage Ratio 14.28%
Loan-to-Deposit 78.26%

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