Pioneer Bank (Mapleton, MN)
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Data as of · sourced from FFIEC call reports. How we update
Pioneer Bank is an FDIC-insured commercial bank headquartered in Mapleton, MN, established in 1903 (FDIC certificate 5193), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $883.8M, up 3.3% from Q2 2025, the 24th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 13.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5193
- Headquarters
- Mapleton, MN
- Established
- 1903
- Total assets, Q2 2026
- $883.8M
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 13.65%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091904050
- Latest call report
- Q2 2026, FFIEC 051 · Pioneer Bank call report
- Holding company
- CITIZENS BANK GROUP, INC.
- Asset rank in state
- 24th of 221 in Minnesota
Little in Pioneer Bank's latest call report stands out. Based in Mapleton, Minnesota, it had $884 million in assets at June 30, 2026, up 3.3% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $3.4 million, 39% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.33% of loans, down from 0.53% a year earlier. Funding is the softer spot: it pays an average of 2.33% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Pioneer Bank reported a CET1 capital ratio of 13.65%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 4.97%. The figures come from its call report filed with the FFIEC.
Pioneer Bank ranks as the 24th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $883.8M, loans rose 3.3% and deposits fell 0.4%. Commercial and industrial loans made up 17.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 16.1%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in MN; its St. James office books 38% of its branch deposits. Judged on its Q2 2026 call report, Pioneer Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Main St E, Mapleton, MN 56065
- County
- Blue Earth
- Metro Area
- Mankato, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 118
- Domestic deposits
- $763.0M
- Allowance for credit losses
- $6.6M
- Net charge-offs (YTD)
- $90K
- Average total assets
- $884.9M
- Average total loans
- $640.4M
- Average interest-bearing deposits
- $672.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5193
- Fed RSSD
- 920854
- SEC CIK
- 1831091 → filed by CITIZENS BANK GROUP, INC.
- Website
- WWW.BANKWITHPIONEER.COM →
- Parent Holding Company
- CITIZENS BANK GROUP, INC. (RSSD 1964668)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Pioneer Bank's total assets moved between a low of $778.1M (Q3 2023) and a high of $896.8M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$883.8M total assets against $855.6M; $793.9M total liabilities against $775.9M.
$642.4M net loans and leases against $619.3M; $763.0M total deposits against $734.4M.
$125.3M securities against $143.2M; $63.7M cash and balances due against $42.3M.
$13.5M total interest income against $12.7M; $4.6M total interest expense against $4.8M.
$8.9M net interest income against $7.9M.
$763K total noninterest income against $750K; $5.5M total noninterest expense against $5.2M.
$400K provision for credit losses against $450K.
$3.4M net income against $2.4M.
1.52% return on assets against 1.16%; 4.23% net interest margin against 3.98%.
13.65% CET1 capital ratio against 12.92%; 10.20% tier 1 leverage ratio against 10.02%.
Inside the full Pioneer Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePioneer Bank rankings
Its closest position to the top of a national ranking is 1,154 of 4,196, for total assets; its furthest is 1,211 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.16% (Q2 2025) to 1.67% (Q3 2025) and its net interest margin ran from 3.46% (Q3 2024) to 4.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.65% | 1.52% | 0.58% | 4.97% | 4.23% |
| Q1 2026 | 13.94% | 1.63% | 0.59% | 4.83% | 3.98% |
| Q4 2025 | 13.23% | 1.36% | 0.34% | 3.64% | 4.05% |
| Q3 2025 | 13.22% | 1.67% | 0.46% | 3.67% | 4.12% |
| Q2 2025 | 12.92% | 1.16% | 0.81% | 4.42% | 3.98% |
| Q1 2025 | 13.89% | 1.35% | 0.67% | 3.77% | 3.71% |
| Q4 2024 | 13.42% | 1.36% | 1.07% | 7.35% | 3.69% |
| Q3 2024 | 13.18% | 1.36% | 0.97% | 6.68% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. James Branch | St. James , MN | 56081 | $288.4M |
| Saint Peter Branch | Saint Peter , MN | 56082 | $153.0M |
| Pioneer Bank (main office) | Mapleton , MN | 56065 | $89.6M |
| North Mankato Branch | North Mankato , MN | 56003 | $87.9M |
| Mankato Adams Street Office Branch | Mankato , MN | 56001 | $83.4M |
| Madelia Br | Madelia , MN | 56062 | $60.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 24, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 2019 | Structure Change | Acquired The Nicollet County Bank of Saint Peter Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired Farmers State Bank of Madelia, Incorporated Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2001 | Structure Change | Acquired Citizens State Bank of St. James Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Structure Change | Acquired The First National Bank of Elmore Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MN, rank 36 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 121 applications, 102 loans originated, $47.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $3.2M approved, $1.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Pioneer Bank
What are Pioneer Bank's total assets?
As of the Q2 2026 filing, Pioneer Bank reported total assets of $883.8 million in its FFIEC call report.
Where is Pioneer Bank headquartered?
It is headquartered in Mapleton, MN, United States.
When was Pioneer Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Pioneer Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer Bank?
Pioneer Bank's primary federal regulator is the Federal Reserve.
What is Pioneer Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pioneer Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pioneer Bank's Texas Ratio?
Its Texas Ratio is 4.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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