Pioneer Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 4.77% against 4.46%. It was the largest change among the key lines on this page. Pioneer Bank ranks 6th of 56 Virginia banks on net interest margin, in the upper half at 4.77% (Q2 2026). Pioneer Bank reported 4.77% on net interest margin for Q2 2026, 0.82 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.89% |
| Yield on securities | 1.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.10% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.77% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.85% | 1.29% | 3.66% | 5.69% | 1.23% |
| Q4 2023 | 5.03% | 1.67% | 3.48% | 5.75% | 1.24% |
| Q1 2024 | 5.16% | 1.94% | 3.33% | 5.80% | 1.12% |
| Q2 2024 | 5.29% | 2.11% | 3.33% | 6.05% | 0.97% |
| Q3 2024 | 5.42% | 2.27% | 3.34% | 6.12% | 0.99% |
| Q4 2024 | 5.54% | 1.91% | 3.78% | 6.36% | 1.12% |
| Q1 2025 | 5.60% | 1.85% | 3.89% | 6.34% | 1.24% |
| Q2 2025 | 5.73% | 1.84% | 4.04% | 6.41% | 1.17% |
| Q3 2025 | 5.83% | 1.78% | 4.20% | 6.49% | 1.52% |
| Q4 2025 | 5.99% | 1.74% | 4.42% | 6.69% | 1.88% |
| Q1 2026 | 5.99% | 1.69% | 4.46% | 6.60% | 1.88% |
| Q2 2026 | 6.26% | 1.63% | 4.77% | 6.89% | 1.97% |
Pioneer Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, freeSource: Call Report Schedules RI and RC-K, 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)