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.
Reserve coverage of non-performing loans climbed 13.91 percentage points in Q2 2026, from 65.94% to 79.85%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Pioneer Bank is 4th of 29 on return on assets, 2.89% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Pioneer Bank reported 2.89% on return on assets in Q2 2026, 1.61 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.51% |
| Tier 1 risk-based capital ratio | 17.51% |
| Total risk-based capital ratio | 18.77% |
| Tier 1 leverage ratio | 12.32% |
| Equity capital to assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.52% |
| Non-performing assets ratio | 1.67% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 14.27% |
| Allowance for credit losses to loans | 2.01% |
| Reserve coverage of non-performing loans | 79.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.89% |
| Return on equity | 27.87% |
| Net interest margin | 5.08% |
| Efficiency ratio | 46.52% |
| Yield on earning assets | 5.91% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.81% |
| Core deposits to total deposits | 97.56% |
| Brokered deposits to total deposits | 0.59% |
| Deposits to assets | 77.72% |
| Securities to assets | 29.71% |
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 | 14.98% | 14.98% | 16.14% | 10.62% | 2.14% |
| Q4 2023 | 15.46% | 15.46% | 16.65% | 10.58% | 1.78% |
| Q1 2024 | 15.46% | 15.46% | 16.65% | 10.84% | 2.24% |
| Q2 2024 | 16.24% | 16.24% | 17.45% | 10.91% | 2.21% |
| Q3 2024 | 17.79% | 17.79% | 19.04% | 10.70% | 1.31% |
| Q4 2024 | 16.54% | 16.54% | 17.79% | 11.40% | 1.43% |
| Q1 2025 | 16.47% | 16.47% | 17.72% | 11.37% | 2.05% |
| Q2 2025 | 16.72% | 16.72% | 17.97% | 11.31% | 2.29% |
| Q3 2025 | 16.09% | 16.09% | 17.34% | 11.32% | 2.00% |
| Q4 2025 | 15.99% | 15.99% | 17.24% | 11.49% | 2.13% |
| Q1 2026 | 16.06% | 16.06% | 17.32% | 11.75% | 2.28% |
| Q2 2026 | 17.51% | 17.51% | 18.77% | 12.32% | 2.89% |
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 27872) · FFIEC NIC profile (RSSD 606176)