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 Return on equity: 20.10 percentage points higher than in Q1 2026, at 34.78%. Among 56 Virginia banks, Pioneer Bank sits 4th from the top on return on assets, 3.93% as of Q2 2026. Pioneer Bank's return on assets of 3.93% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 2.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.67% |
| Tier 1 risk-based capital ratio | 15.67% |
| Total risk-based capital ratio | 16.53% |
| Tier 1 leverage ratio | 11.96% |
| Equity capital to assets | 11.70% |
| Tangible equity to tangible assets | 11.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.93% |
| Return on equity | 34.78% |
| Net interest margin | 4.77% |
| Efficiency ratio | 36.62% |
| Yield on earning assets | 6.26% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.87% |
| Core deposits to total deposits | 87.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.67% |
| Securities to assets | 16.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.29% | 15.29% | 16.29% | 11.43% | 0.77% |
| Q4 2023 | 14.69% | 14.69% | 15.65% | 10.97% | 0.02% |
| Q1 2024 | 14.62% | 14.62% | 15.57% | 10.24% | 0.80% |
| Q2 2024 | 14.04% | 14.04% | 14.99% | 10.00% | 0.66% |
| Q3 2024 | 14.23% | 14.23% | 15.21% | 9.90% | 0.68% |
| Q4 2024 | 14.22% | 14.22% | 15.19% | 10.70% | 1.00% |
| Q1 2025 | 14.57% | 14.57% | 15.53% | 10.69% | 1.25% |
| Q2 2025 | 14.19% | 14.19% | 15.15% | 11.04% | 1.09% |
| Q3 2025 | 13.84% | 13.84% | 14.79% | 11.43% | 1.25% |
| Q4 2025 | 13.91% | 13.91% | 14.79% | 11.40% | 1.10% |
| Q1 2026 | 14.66% | 14.66% | 15.58% | 11.44% | 1.62% |
| Q2 2026 | 15.67% | 15.67% | 16.53% | 11.96% | 3.93% |
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 6913) · FFIEC NIC profile (RSSD 41629)