Bank Comparison
Pioneer State Bank vs Bank of Bozeman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| CET1 Ratio | — | 12.12% |
| Tier 1 Capital Ratio | — | 12.12% |
| Total Capital Ratio | — | 13.37% |
| Tier 1 Leverage Ratio | 15.68% | 10.20% |
| Equity / Assets | 14.95% | 9.70% |
Profitability
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| Return on Assets (ROA) | -0.77% | 0.86% |
| Return on Equity (ROE) | -5.01% | 8.47% |
| Net Interest Margin (NIM) | 3.37% | 4.29% |
| Yield on Earning Assets | 5.22% | 6.14% |
| Cost of Funds | 1.96% | 2.01% |
Asset quality
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| Texas Ratio | 0.28% | 6.95% |
| Non-Performing Loan Ratio | 0.00% | 0.68% |
| Non-Performing Asset Ratio | 0.00% | 0.49% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.27% | 1.48% |
Balance sheet
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| Total Assets | $121,990K | $110,709K |
| Total Deposits | $95,158K | $98,196K |
| Total Loans | $91,740K | $79,701K |
| Total Equity | $18,233K | $10,738K |
| Net Income (quarter) | $-230 | $227 |
Liquidity & funding
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| Loan-to-Deposit Ratio | 96.41% | 81.17% |
| Core Deposit Ratio | 88.29% | 86.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pioneer State Bank | Bank of Bozeman |
|---|---|---|
| Headquarters City | DEER LODGE | BOZEMAN |
| Headquarters State | MT | MT |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 19 | 23 |
| Established | Jan. 1, 1912, midnight | April 15, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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