Pioneer Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 53.6% in Q2 2026, from $1.4M to $637K. It was the largest change from Q1 2026 among the key lines here. Pioneer Bank ranks 8th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 97.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pioneer Bank sits 17.03 points higher, at 97.87% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $75.0M |
| Fed funds sold and reverse repos | $637K |
| Fed funds sold and reverse repos to assets | 0.17% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $30.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.87% |
| Net loans and leases to deposits | 97.06% |
| Loans and leases to core deposits | 112.17% |
| Core deposits to total deposits | 87.25% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.80% | 89.02% | $0 | $22.5M |
| Q4 2023 | 90.20% | 88.94% | $0 | $22.5M |
| Q1 2024 | 88.02% | 85.14% | $0 | $50.5M |
| Q2 2024 | 95.18% | 85.26% | $0 | $50.5M |
| Q3 2024 | 94.40% | 87.09% | $0 | $50.5M |
| Q4 2024 | 95.90% | 85.76% | $0 | $34.5M |
| Q1 2025 | 93.77% | 86.25% | $0 | $34.5M |
| Q2 2025 | 96.54% | 85.68% | $0 | $22.5M |
| Q3 2025 | 98.34% | 86.15% | $0 | $22.5M |
| Q4 2025 | 102.45% | 86.22% | $0 | $30.0M |
| Q1 2026 | 98.22% | 87.03% | $0 | $30.0M |
| Q2 2026 | 97.87% | 87.25% | $0 | $30.0M |
Pioneer Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, freeSource: Call Report Schedules RC and RC-M, 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)