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 CRE concentration (Tier 1 capital + allowance): 21.21 percentage points lower than in Q1 2026, at 178.32%. Within Virginia, Pioneer Bank is 8th of 56 on loan-to-deposit ratio, 97.87% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $289.9M |
| Net loans and leases | $287.5M |
| Loans held for sale | $0 |
| Loans to total assets | 77.97% |
| Loan-to-deposit ratio | 97.87% |
| Net loans to equity capital | 6.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.59% |
| Multifamily (5+ residential) | 4.83% |
| Commercial and industrial | 5.34% |
| Consumer | 5.62% |
| Credit cards | 0.20% |
| Farm | 2.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.32% |
| Construction concentration (Tier 1 capital + allowance) | 45.59% |
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 | — |
| Interest income on loans | $5.0M |
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 | $229.9M | $261.9M | 34.65% | 6.87% | 12.25% |
| Q4 2023 | $239.8M | $265.8M | 34.69% | 6.58% | 12.08% |
| Q1 2024 | $240.7M | $273.4M | 33.95% | 6.40% | 11.91% |
| Q2 2024 | $258.2M | $271.3M | 33.53% | 5.94% | 11.42% |
| Q3 2024 | $259.5M | $274.9M | 32.44% | 6.21% | 11.93% |
| Q4 2024 | $262.6M | $273.9M | 35.78% | 6.29% | 11.67% |
| Q1 2025 | $261.4M | $278.8M | 36.41% | 6.60% | 10.52% |
| Q2 2025 | $267.0M | $276.6M | 38.71% | 6.23% | 9.36% |
| Q3 2025 | $278.2M | $282.9M | 39.21% | 6.09% | 8.02% |
| Q4 2025 | $290.2M | $283.3M | 36.46% | 6.25% | 6.98% |
| Q1 2026 | $285.3M | $290.4M | 37.34% | 5.83% | 6.29% |
| Q2 2026 | $289.9M | $296.2M | 35.59% | 5.34% | 5.62% |
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 6913) · FFIEC NIC profile (RSSD 41629)