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.
Construction concentration (tier 1 capital + allowance) climbed 19.36 percentage points in Q2 2026, from 52.24% to 71.60%. It was the largest change from Q1 2026 among the key lines here. Pioneer Bank ranks 91st of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 85.07% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pioneer Bank sits 4.23 points higher, at 85.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $649.0M |
| Net loans and leases | $642.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.44% |
| Loan-to-deposit ratio | 85.07% |
| Net loans to equity capital | 7.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.91% |
| Multifamily (5+ residential) | 8.89% |
| Commercial and industrial | 17.92% |
| Consumer | 0.72% |
| Credit cards | 0.00% |
| Farm | 15.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.91% |
| Construction concentration (Tier 1 capital + allowance) | 71.60% |
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 | — |
| Interest income on loans | $12.0M |
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 | $541.5M | $701.9M | 17.13% | 24.02% | 1.10% |
| Q4 2023 | $545.1M | $717.4M | 18.65% | 21.08% | 1.12% |
| Q1 2024 | $553.3M | $722.9M | 18.51% | 21.86% | 1.10% |
| Q2 2024 | $572.9M | $714.4M | 18.31% | 22.14% | 1.11% |
| Q3 2024 | $579.7M | $760.0M | 17.22% | 22.13% | 1.05% |
| Q4 2024 | $579.5M | $767.3M | 16.56% | 18.83% | 1.01% |
| Q1 2025 | $577.8M | $741.9M | 16.17% | 19.52% | 0.99% |
| Q2 2025 | $625.8M | $734.4M | 17.59% | 23.11% | 0.89% |
| Q3 2025 | $633.8M | $724.8M | 18.37% | 20.54% | 0.86% |
| Q4 2025 | $633.5M | $778.1M | 18.34% | 18.80% | 0.81% |
| Q1 2026 | $628.4M | $765.9M | 17.57% | 18.93% | 0.79% |
| Q2 2026 | $649.0M | $763.0M | 16.91% | 17.92% | 0.72% |
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 5193) · FFIEC NIC profile (RSSD 920854)