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%.
Total risk-based capital ratio rose 1.45 percentage points from Q1 2026 to Q2 2026, ending at 18.77% against 17.32%. It was the largest change among the key lines on this page. Within New Mexico, Pioneer Bank is 13th of 20 on CET1 ratio, 17.51% as of Q2 2026, below the middle of the field. Pioneer Bank reported 17.51% on CET1 ratio for Q2 2026, 4.03 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.51% |
| Tier 1 risk-based capital ratio | 17.51% |
| Total risk-based capital ratio | 18.77% |
| Tier 1 leverage ratio | 12.32% |
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 | $135.2M |
| Tier 1 capital | $135.2M |
| Total risk-based capital | $144.9M |
| Total equity capital | $116.2M |
| Risk-weighted assets | $772.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
| Equity capital to average assets | 10.59% |
| Internal capital growth rate | 17.71% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $2.5M |
| Retained earnings | $132.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$19.0M |
| 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 | 14.98% | 14.98% | 16.14% | 10.62% | $718.4M |
| Q4 2023 | 15.46% | 15.46% | 16.65% | 10.58% | $701.5M |
| Q1 2024 | 15.46% | 15.46% | 16.65% | 10.84% | $725.0M |
| Q2 2024 | 16.24% | 16.24% | 17.45% | 10.91% | $707.9M |
| Q3 2024 | 17.79% | 17.79% | 19.04% | 10.70% | $656.2M |
| Q4 2024 | 16.54% | 16.54% | 17.79% | 11.40% | $717.4M |
| Q1 2025 | 16.47% | 16.47% | 17.72% | 11.37% | $731.2M |
| Q2 2025 | 16.72% | 16.72% | 17.97% | 11.31% | $743.4M |
| Q3 2025 | 16.09% | 16.09% | 17.34% | 11.32% | $788.6M |
| Q4 2025 | 15.99% | 15.99% | 17.24% | 11.49% | $812.8M |
| Q1 2026 | 16.06% | 16.06% | 17.32% | 11.75% | $810.7M |
| Q2 2026 | 17.51% | 17.51% | 18.77% | 12.32% | $772.1M |
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 27872) · FFIEC NIC profile (RSSD 606176)