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.
Cash and balances due from depository institutions climbed 323.2% in Q2 2026, from $18.5M to $78.5M. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Pioneer Bank is 8th of 29 on loan-to-deposit ratio, 73.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pioneer Bank sits 14.39 points lower, at 73.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $78.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $403.7M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $112.3M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 10.26% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.81% |
| Net loans and leases to deposits | 72.33% |
| Loans and leases to core deposits | 75.21% |
| Core deposits to total deposits | 97.56% |
| Brokered deposits to total deposits | 0.59% |
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 | 72.43% | 98.48% | $0 | $173.7M |
| Q4 2023 | 69.58% | 98.44% | $0 | $119.8M |
| Q1 2024 | 70.68% | 98.50% | $0 | $132.6M |
| Q2 2024 | 69.13% | 98.48% | $0 | $160.5M |
| Q3 2024 | 61.74% | 98.50% | $0 | $135.2M |
| Q4 2024 | 72.22% | 98.49% | $0 | $114.3M |
| Q1 2025 | 70.44% | 98.36% | $0 | $104.2M |
| Q2 2025 | 72.35% | 98.33% | $0 | $111.1M |
| Q3 2025 | 76.84% | 98.38% | $0 | $156.9M |
| Q4 2025 | 77.79% | 98.05% | $0 | $153.4M |
| Q1 2026 | 81.22% | 98.11% | $0 | $127.9M |
| Q2 2026 | 73.81% | 97.56% | $0 | $112.3M |
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 27872) · FFIEC NIC profile (RSSD 606176)