Pioneer Bank (Stanley, VA)
BankRegReports is independent of Pioneer Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pioneer Bank is an FDIC-insured commercial bank headquartered in Stanley, VA, established in 1909 (FDIC certificate 6913), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $371.8M, up 10.1% from Q2 2025, the 41st largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 15.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 6913
- Headquarters
- Stanley, VA
- Established
- 1909
- Total assets, Q2 2026
- $371.8M
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 15.67%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 051404325
- Latest call report
- Q2 2026, FFIEC 051 · Pioneer Bank call report
- Holding company
- PIONEER BANKSHARES, INC.
- Asset rank in state
- 41st of 56 in Virginia
Pioneer Bank is one of the more profitable banks of its size. Its balance sheet stood at $372 million at June 30, 2026, up 10.1% from a year earlier; it is based in Stanley, Virginia. It earns about $3.93 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Delinquency has appeared in its $48 million non-owner-occupied commercial real estate book: 0.57% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Pioneer Bank reported a CET1 capital ratio of 15.67%, a return on assets of 3.93%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in Virginia, Pioneer Bank is the 41st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.5% to $371.8M, loans rose 1.6% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.2% of total loans, followed by owner-occupied commercial real estate loans at 19.0%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in VA; its Stanley office books 42% of its branch deposits. Judged on its Q2 2026 call report, Pioneer Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 252 E Main St, Stanley, VA 22851
- County
- Page
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 3, 1909
- Former names
- Farmers & Merchants Bank of Stanley (1994-1999); Farmers and Merchants National Bank of Stanley (1984-1994)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $296.2M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$52K
- Average total assets
- $370.5M
- Average total loans
- $286.0M
- Average interest-bearing deposits
- $195.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6913
- Fed RSSD
- 41629
- SEC CIK
- 1113026 → filed by PIONEER BANKSHARES, INC.
- Website
- www.pioneerbks.com →
- Parent Holding Company
- PIONEER BANKSHARES, INC. (RSSD 1076422)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pioneer Bank's total assets ran between $315.8M (Q3 2023) and $371.8M (Q2 2026), 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
$371.8M total assets against $337.6M; $328.3M total liabilities against $300.8M.
$287.5M net loans and leases against $264.5M; $296.2M total deposits against $276.6M.
$60.7M securities against $47.3M; $14.3M cash and balances due against $16.4M.
$5.6M total interest income against $4.8M; $1.3M total interest expense against $1.4M.
$4.2M net interest income against $3.4M.
$2.8M total noninterest income against $401K; $2.6M total noninterest expense against $2.3M.
-$162K provision for credit losses against $186K.
$3.6M net income against $944K.
3.93% return on assets against 1.09%; 4.77% net interest margin against 4.04%.
15.67% CET1 capital ratio against 14.19%; 11.96% tier 1 leverage ratio against 11.04%.
Inside the full Pioneer Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePioneer Bank rankings
Its closest position to the top of a national ranking is 23 of 3,611, for ROA; its furthest is 3,166 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q3 2024) to 3.93% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 4.77% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.67% | 3.93% | 0.03% | 0.18% | 4.77% |
| Q1 2026 | 14.66% | 1.62% | 0.06% | 0.43% | 4.46% |
| Q4 2025 | 13.91% | 1.10% | 0.08% | 0.54% | 4.42% |
| Q3 2025 | 13.84% | 1.25% | 0.00% | 0.00% | 4.20% |
| Q2 2025 | 14.19% | 1.09% | 0.06% | 0.44% | 4.04% |
| Q1 2025 | 14.57% | 1.25% | 0.04% | 0.27% | 3.89% |
| Q4 2024 | 14.22% | 1.00% | 0.05% | 0.33% | 3.78% |
| Q3 2024 | 14.23% | 0.68% | 0.05% | 0.35% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Stanley , VA | 22851 | $123.8M |
| Luray Branch | Luray , VA | 22835 | $66.2M |
| Shenandoah Branch | Shenandoah , VA | 22849 | $39.6M |
| Ruckersville Branch | Ruckersville , VA | 22968 | $39.2M |
| Harrisonburg Branch | Harrisonburg , VA | 22801 | $14.6M |
| Charlottesville Branch | Charlottesville , VA | 22911 | $12.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2002 | Structure Change | Acquired Valley Finance Service, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in VA, rank 61 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 24 loans originated, $16.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
Add this badge to your website
Free to use. It shows Pioneer Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pioneer Bank
What are Pioneer Bank's total assets?
As of the Q2 2026 filing, Pioneer Bank reported total assets of $371.8 million in its FFIEC call report.
Where is Pioneer Bank headquartered?
It is headquartered in Stanley, VA, United States.
When was Pioneer Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Pioneer Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6913). 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 Federal Reserve.
What is Pioneer Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pioneer Bank operate?
It operates 7 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 0.18% 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 Farmers & Merchants Bank of Stanley (1994-1999), Farmers and Merchants National Bank of Stanley (1984-1994), per FDIC structure-change records.
Go deeper on Pioneer Bank.
Get an email when Pioneer Bank files its next call report, and benchmark it against any peer you choose.
Unlock Pioneer Bank, freeFree account