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%.
Accumulated other comprehensive income climbed 9.5% in Q2 2026, from -$10.4M to -$9.4M. It was the largest change from Q1 2026 among the key lines here. Pioneer Bank ranks 86th of 161 Minnesota banks on CET1 ratio, in the lower half at 13.65% (Q2 2026). Pioneer Bank reported 13.65% on CET1 ratio for Q2 2026, 1.42 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.65% |
| Tier 1 risk-based capital ratio | 13.65% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 10.20% |
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 | $89.3M |
| Tier 1 capital | $89.3M |
| Total risk-based capital | $95.9M |
| Total equity capital | $89.9M |
| Risk-weighted assets | $654.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.17% |
| Tangible equity to tangible assets | 9.14% |
| Equity capital to average assets | 10.16% |
| Internal capital growth rate | -0.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $235K |
| Common stock surplus | $62.3M |
| Retained earnings | $36.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| 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 | 13.37% | 13.37% | 14.46% | 9.65% | $558.9M |
| Q4 2023 | 13.23% | 13.23% | 14.27% | 9.71% | $568.8M |
| Q1 2024 | 13.60% | 13.60% | 14.66% | 9.71% | $570.5M |
| Q2 2024 | 13.06% | 13.06% | 14.07% | 9.82% | $591.8M |
| Q3 2024 | 13.18% | 13.18% | 14.21% | 9.56% | $600.7M |
| Q4 2024 | 13.42% | 13.42% | 14.42% | 9.48% | $596.5M |
| Q1 2025 | 13.89% | 13.89% | 14.89% | 9.91% | $597.0M |
| Q2 2025 | 12.92% | 12.92% | 13.93% | 10.02% | $638.8M |
| Q3 2025 | 13.22% | 13.22% | 14.18% | 10.15% | $643.6M |
| Q4 2025 | 13.23% | 13.23% | 14.20% | 9.97% | $648.6M |
| Q1 2026 | 13.94% | 13.94% | 14.91% | 10.18% | $641.7M |
| Q2 2026 | 13.65% | 13.65% | 14.66% | 10.20% | $654.0M |
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 5193) · FFIEC NIC profile (RSSD 920854)