Pioneer Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings climbed 8.5% in Q2 2026, from $38.5M to $41.8M. It was the largest change from Q1 2026 among the key lines here. Pioneer Bank ranks 15th of 44 Virginia banks on CET1 ratio, in the upper half at 15.67% (Q2 2026). Pioneer Bank reported 15.67% on CET1 ratio for Q2 2026, 0.60 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.67% |
| Tier 1 risk-based capital ratio | 15.67% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 11.96% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $44.3M |
| Tier 1 capital | $44.3M |
| Total risk-based capital | $46.7M |
| Total equity capital | $43.5M |
| Risk-weighted assets | $282.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.70% |
| Tangible equity to tangible assets | 11.70% |
| Equity capital to average assets | 11.75% |
| Internal capital growth rate | 32.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.1M |
| Common stock surplus | $422K |
| Retained earnings | $41.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$787K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.29% | 15.29% | 16.29% | 11.43% | $227.2M |
| Q4 2023 | 14.69% | 14.69% | 15.65% | 10.97% | $236.6M |
| Q1 2024 | 14.62% | 14.62% | 15.57% | 10.24% | $240.5M |
| Q2 2024 | 14.04% | 14.04% | 14.99% | 10.00% | $252.8M |
| Q3 2024 | 14.23% | 14.23% | 15.21% | 9.90% | $252.4M |
| Q4 2024 | 14.22% | 14.22% | 15.19% | 10.70% | $257.9M |
| Q1 2025 | 14.57% | 14.57% | 15.53% | 10.69% | $257.3M |
| Q2 2025 | 14.19% | 14.19% | 15.15% | 11.04% | $268.7M |
| Q3 2025 | 13.84% | 13.84% | 14.79% | 11.43% | $281.2M |
| Q4 2025 | 13.91% | 13.91% | 14.79% | 11.40% | $286.8M |
| Q1 2026 | 14.66% | 14.66% | 15.58% | 11.44% | $279.7M |
| Q2 2026 | 15.67% | 15.67% | 16.53% | 11.96% | $282.7M |
Pioneer Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, freeSource: Call Report Schedule RC-R, 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 6913) · FFIEC NIC profile (RSSD 41629)