Pioneer Bank (Sergeant Bluff, IA)
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Data as of · sourced from FFIEC call reports. How we update
Pioneer Bank is an FDIC-insured commercial bank headquartered in Sergeant Bluff, IA, established in 1907 (FDIC certificate 19540), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $282.8M, down 4.4% from Q2 2025, the 109th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19540
- Headquarters
- Sergeant Bluff, IA
- Established
- 1907
- Total assets, Q2 2026
- $282.8M
- Assets vs Q2 2025
- -4.4%
- Tier 1 leverage ratio, Q2 2026
- 10.56%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073915782
- Latest call report
- Q2 2026, FFIEC 041 · Pioneer Bank call report
- Holding company
- PIONEER DEVELOPMENT COMPANY
- Asset rank in state
- 109th of 225 in Iowa
Pioneer Bank, based in Sergeant Bluff, Iowa, reported $283 million in assets at June 30, 2026, down 4.4% from a year earlier. It lost 8.5% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 24% from a year earlier, to $1.2 million. Over the same year, loans grew 7.2% and deposits shrank 8.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Pioneer Bank reported a return on assets of 1.73%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.59%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Pioneer Bank is the 109th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.2% to $282.8M, loans rose 2.3% and deposits fell 7.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.5% of total loans, ahead of multifamily loans at 15.3%. Its 4 offices in the FDIC Summary of Deposits are in Sergeant Bluff, IA, Sioux City, IA and Dakota Dunes, SD; its Sergeant Bluff office books 48% of its branch deposits. Judged on its Q2 2026 call report, Pioneer Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 1st St, Sergeant Bluff, IA 51054
- County
- Woodbury
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1907
- Former names
- Pioneer Valley Savings Bank (1977-1986)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $243.0M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $287.3M
- Average total loans
- $205.8M
- Average interest-bearing deposits
- $200.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 6, 1966
- FDIC Cert
- 19540
- Fed RSSD
- 300942
- Website
- www.pioneerbanks.com →
- Parent Holding Company
- PIONEER DEVELOPMENT COMPANY (RSSD 1200665)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Pioneer Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pioneer Bank's total assets ran between $247.3M (Q3 2023) and $295.8M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$282.8M total assets against $295.8M; $253.2M total liabilities against $270.7M.
$205.6M net loans and leases against $191.9M; $243.0M total deposits against $265.6M.
$54.3M securities against $54.6M; $14.0M cash and balances due against $40.6M.
$3.8M total interest income against $3.5M; $1.2M total interest expense against $1.3M.
$2.6M net interest income against $2.2M.
$188K total noninterest income against $317K; $1.4M total noninterest expense against $1.4M.
$98K provision for credit losses against $75K.
$1.2M net income against $999K.
1.73% return on assets against 1.38%; 3.81% net interest margin against 3.09%.
10.56% tier 1 leverage ratio against 9.12%.
Inside the full Pioneer Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pioneer Bank rankings
Its closest position to the top of a national ranking is 768 of 3,606, for efficiency ratio; its furthest is 2,907 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.01% (Q3 2024) to 1.73% (Q2 2026) and its net interest margin ran from 2.98% (Q3 2024) to 3.81% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.56% | 1.73% | 0.09% | 0.59% | 3.81% |
| Q1 2026 | 9.92% | 1.57% | 0.09% | 0.60% | 3.52% |
| Q4 2025 | 9.84% | 1.19% | 0.00% | 0.00% | 3.44% |
| Q3 2025 | 9.51% | 1.39% | 0.00% | 0.00% | 3.24% |
| Q2 2025 | 9.12% | 1.38% | 0.00% | 0.00% | 3.09% |
| Q1 2025 | 9.33% | 1.25% | 0.00% | 0.00% | 3.02% |
| Q4 2024 | 9.68% | 1.14% | 0.00% | 0.00% | 3.03% |
| Q3 2024 | 9.51% | 1.01% | 0.00% | 0.00% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pioneer Bank (main office) | Sergeant Bluff , IA | 51054 | $115.6M |
| Singing Hills Branch | Sioux City , IA | 51106 | $60.1M |
| Dunes Branch | Dakota Dunes , SD | 57049 | $51.6M |
| Sioux City Branch | Sioux City , IA | 51101 | $15.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IA, rank 140 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 36 loans originated, $11.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pioneer Bank
What are Pioneer Bank's total assets?
As of the Q2 2026 filing, Pioneer Bank reported total assets of $282.8 million in its FFIEC call report.
Where is Pioneer Bank headquartered?
It is headquartered in Sergeant Bluff, IA, United States.
When was Pioneer Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Pioneer Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer Bank?
Pioneer Bank's primary federal regulator is the FDIC.
How many branches does Pioneer Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pioneer Bank's Texas Ratio?
Its Texas Ratio is 0.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Pioneer Bank previously called?
The charter now named Pioneer Bank has also operated as Pioneer Valley Savings Bank (1977-1986), per FDIC structure-change records.
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