Pioneer Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.96 percentage points higher than in Q1 2026, at 85.76%. Pioneer Bank ranks 95th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 85.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pioneer Bank sits 4.92 points higher, at 85.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $208.4M |
| Net loans and leases | $205.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.70% |
| Loan-to-deposit ratio | 85.76% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.15% |
| Multifamily (5+ residential) | 15.25% |
| Commercial and industrial | 7.23% |
| Consumer | 0.48% |
| Credit cards | 0.05% |
| Farm | 10.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 210.72% |
| Construction concentration (Tier 1 capital + allowance) | 19.36% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.20% |
| Interest income on loans | $3.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $190.9M | $219.1M | 29.07% | 9.39% | 0.75% |
| Q4 2023 | $190.8M | $237.5M | 28.48% | 8.88% | 0.75% |
| Q1 2024 | $190.3M | $225.7M | 28.10% | 8.62% | 0.69% |
| Q2 2024 | $188.4M | $225.7M | 27.89% | 8.19% | 0.66% |
| Q3 2024 | $188.3M | $228.4M | 27.56% | 8.04% | 0.65% |
| Q4 2024 | $192.3M | $234.3M | 26.51% | 7.06% | 0.69% |
| Q1 2025 | $195.1M | $257.5M | 25.57% | 7.23% | 0.64% |
| Q2 2025 | $194.5M | $265.6M | 24.67% | 8.27% | 0.54% |
| Q3 2025 | $192.6M | $247.2M | 24.94% | 7.72% | 0.72% |
| Q4 2025 | $201.2M | $253.1M | 23.31% | 7.62% | 0.77% |
| Q1 2026 | $203.7M | $261.8M | 22.54% | 7.32% | 0.71% |
| Q2 2026 | $208.4M | $243.0M | 25.15% | 7.23% | 0.48% |
Pioneer Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Pioneer Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19540) · FFIEC NIC profile (RSSD 300942)