PIONEER BANK

MAPLETON, MN | Medium | Est. Jan. 1, 1903, midnight | FDIC #5193 | RSSD #920854 | FED
Latest Report: 2025-12-31

PIONEER BANK is amn medium FDIC-insured commercial bank headquartered in MAPLETON, MN, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $897M and total deposits of $778M. Profitability stands at 1.36% ROA and 13.90% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 13.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 5.00%. FDIC Certificate #5193.

Assets

$897M

Deposits

$778M

Loans

$633M

Equity

$86M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 13.90%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.58%
Cost of Funds 2.50%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.13%
Texas Ratio 5.00%
NPA Ratio 0.52%
ACL / Loans 0.99%

Capital & Liquidity

CET1 Ratio 13.23%
Tier 1 Capital 13.23%
Total Capital Ratio 14.20%
Leverage Ratio 9.97%
Loan-to-Deposit 81.42%

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