Pioneer Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.44 percentage points higher than in Q1 2026, at 1494.79%. Within Iowa, Pioneer Bank is 51st of 225 on return on assets, 1.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Pioneer Bank sits 0.48 points higher, at 1.73% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.56% |
| Equity capital to assets | 10.47% |
| Tangible equity to tangible assets | 10.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.59% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 1494.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 17.14% |
| Net interest margin | 3.81% |
| Efficiency ratio | 49.94% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.76% |
| Core deposits to total deposits | 92.02% |
| Brokered deposits to total deposits | 0.77% |
| Deposits to assets | 85.94% |
| Securities to assets | 19.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.41% | 0.79% | 2.68% | 0.00% | 0.00% |
| Q4 2023 | 9.17% | 0.75% | 2.51% | 0.00% | 0.00% |
| Q1 2024 | 9.25% | 1.07% | 2.94% | 0.00% | 0.00% |
| Q2 2024 | 9.43% | 1.13% | 3.04% | 0.00% | 0.00% |
| Q3 2024 | 9.51% | 1.01% | 2.98% | 0.00% | 0.00% |
| Q4 2024 | 9.68% | 1.14% | 3.03% | 0.00% | 0.00% |
| Q1 2025 | 9.33% | 1.25% | 3.02% | 0.00% | 0.00% |
| Q2 2025 | 9.12% | 1.38% | 3.09% | 0.00% | 0.00% |
| Q3 2025 | 9.51% | 1.39% | 3.24% | 0.00% | 0.00% |
| Q4 2025 | 9.84% | 1.19% | 3.44% | 0.00% | 0.00% |
| Q1 2026 | 9.92% | 1.57% | 3.52% | 0.09% | 0.00% |
| Q2 2026 | 10.56% | 1.73% | 3.81% | 0.09% | 0.00% |
Pioneer Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)