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.
Cre concentration (tier 1 capital + allowance) dropped 15.17 percentage points in Q2 2026, from 230.63% to 215.46%. 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. Pioneer Bank reported 73.81% on loan-to-deposit ratio for Q2 2026, 14.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $628.0M |
| Net loans and leases | $615.4M |
| Loans held for sale | $0 |
| Loans to total assets | 57.37% |
| Loan-to-deposit ratio | 73.81% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.35% |
| Multifamily (5+ residential) | 7.37% |
| Commercial and industrial | 20.62% |
| Consumer | 0.87% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.38% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 215.46% |
| Construction concentration (Tier 1 capital + allowance) | 80.66% |
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 | 7.36% |
| Interest income on loans | $11.9M |
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 | $560.4M | $773.7M | 27.11% | 25.49% | 1.24% |
| Q4 2023 | $539.9M | $775.9M | 28.59% | 26.02% | 1.27% |
| Q1 2024 | $566.1M | $801.0M | 30.63% | 26.01% | 1.14% |
| Q2 2024 | $552.0M | $798.4M | 31.02% | 25.65% | 1.10% |
| Q3 2024 | $502.7M | $814.2M | 33.05% | 25.31% | 1.19% |
| Q4 2024 | $552.4M | $764.9M | 35.08% | 23.42% | 1.01% |
| Q1 2025 | $583.3M | $828.0M | 34.65% | 22.90% | 1.06% |
| Q2 2025 | $613.1M | $847.4M | 35.15% | 21.45% | 0.98% |
| Q3 2025 | $629.0M | $818.6M | 38.85% | 22.07% | 0.92% |
| Q4 2025 | $656.8M | $844.3M | 42.41% | 21.17% | 0.86% |
| Q1 2026 | $670.1M | $825.1M | 41.37% | 23.06% | 0.81% |
| Q2 2026 | $628.0M | $850.8M | 44.35% | 20.62% | 0.87% |
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 27872) · FFIEC NIC profile (RSSD 606176)