Pioneer Bank, N.A. (Albany, NY)
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Data as of · sourced from FFIEC call reports. How we update
Pioneer Bank, N.A. is an FDIC-insured commercial bank headquartered in Albany, NY, established in 1889 (FDIC certificate 20741), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.34B, up 11.6% from Q2 2025, the 32nd largest of 105 banks headquartered in New York. Its CET1 capital ratio was 13.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 20741
- Headquarters
- Albany, NY
- Established
- 1889
- Total assets, Q2 2026
- $2.34B
- Assets vs Q2 2025
- +11.6%
- CET1 ratio, Q2 2026
- 13.22%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 221371372
- Latest call report
- Q2 2026, FFIEC 041 · Pioneer Bank, N.A. call report
- Holding company
- PIONEER BANCORP, INC.
- Asset rank in state
- 32nd of 105 in New York
Pioneer Bank, N.A. spends more to run itself than most banks of its size. It reported $2.3 billion in assets at June 30, 2026, up 11.6% from a year earlier. It earns about $0.50 a year on every $100 of assets, about a third the median of $1.29 for the 880 banks with $1 billion to $10 billion in assets. It also spends about 80 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings fell sharply: quarterly net income of $2.9 million was 53% below a year earlier. Over the same year, loans grew 21.2% and deposits grew 12.0%.
As of June 30, 2026, Pioneer Bank, N.A. reported a CET1 capital ratio of 13.22%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 3.31%. The figures come from its call report filed with the FFIEC.
Pioneer Bank, N.A. ranks as the 32nd largest of the 105 banks based in New York, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.8% to $2.34B, loans rose 10.0% and deposits rose 6.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 49.4% of total loans, followed by commercial and industrial loans at 14.2%. Its 22 offices in the FDIC Summary of Deposits are in 17 cities in NY; its Albany 4 offices book 27% of its branch deposits. Judged on its Q2 2026 call report, Pioneer Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 652 Albany Shaker Rd, Albany, NY 12211
- County
- Albany
- Metro Area
- Albany-Schenectady-Troy, NY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1889
- Former names
- Pioneer Bank (2019-2024); Pioneer Savings Bank (1972-2019)
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 298
- Domestic deposits
- $2.01B
- Allowance for credit losses
- $28.1M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $2.29B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.48B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1972
- FDIC Cert
- 20741
- Fed RSSD
- 237619
- SEC CIK
- 1769663 → filed by PIONEER BANCORP, INC.
- Website
- www.pioneerny.com →
- Parent Holding Company
- PIONEER BANCORP, INC. (RSSD 5374452) · PBFS
- Ultimate Parent
- PIONEER BANCORP MHC (RSSD 5374461)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Thomas L Amell | CEO | President and CEO |
| Patrick J Hughes | CFO | EVP and CFO |
| Thomas E. Ratsep | CCO | EVP - Chief Credit Officer |
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
From Q3 2023 to Q2 2026, Pioneer Bank, N.A.'s total assets ranged from $1.85B (Q4 2023) to $2.34B (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
$2.34B total assets against $2.10B; $2.06B total liabilities against $1.83B.
$1.87B net loans and leases against $1.54B; $2.01B total deposits against $1.79B.
$246.1M securities against $331.0M; $89.5M cash and balances due against $122.1M.
$31.6M total interest income against $27.0M; $9.2M total interest expense against $7.9M.
$22.4M net interest income against $19.1M.
$4.9M total noninterest income against $4.8M; $21.9M total noninterest expense against $14.7M.
$1.4M provision for credit losses against $1.6M.
$2.9M net income against $6.1M.
0.50% return on assets against 1.19%; 4.04% net interest margin against 3.92%.
13.22% CET1 capital ratio against 17.28%; 9.97% tier 1 leverage ratio against 11.93%.
Inside the full Pioneer Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Pioneer Bank, N.A. rankings
Its closest position to the top of a national ranking is 524 of 4,196, for total assets; its furthest is 3,238 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q2 2026) to 1.28% (Q3 2024) and its net interest margin ran from 3.71% (Q4 2024) to 4.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.22% | 0.50% | 0.48% | 3.31% | 4.04% |
| Q1 2026 | 16.20% | 1.01% | 0.52% | 3.03% | 4.01% |
| Q4 2025 | 16.30% | 0.68% | 0.67% | 3.86% | 3.95% |
| Q3 2025 | 15.95% | 0.81% | 0.69% | 4.27% | 3.98% |
| Q2 2025 | 17.28% | 1.19% | 0.69% | 4.19% | 3.92% |
| Q1 2025 | 17.86% | 1.07% | 0.71% | 4.01% | 3.85% |
| Q4 2024 | 17.99% | 0.61% | 0.36% | 2.03% | 3.71% |
| Q3 2024 | 18.19% | 1.28% | 0.38% | 2.10% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 22 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 |
|---|---|---|---|
| Pioneer Bank, N.A. (main office) | Albany , NY | 12211 | $418.1M |
| Latham Branch | Latham , NY | 12110 | $215.9M |
| Troy Branch | Troy , NY | 12180 | $180.6M |
| Brunswick Branch | Troy , NY | 12180 | $155.4M |
| Rotterdam Branch | Schenectady , NY | 12303 | $125.5M |
| Wynantskill Branch | Wynantskill , NY | 12198 | $97.1M |
| East Greenbush Branch | Rensselaer , NY | 12144 | $90.4M |
| Watervliet Branch | Watervliet , NY | 12189 | $90.1M |
| Malta Branch | Malta , NY | 12020 | $85.5M |
| Clifton Park Branch | Clifton Park , NY | 12065 | $84.8M |
| Delmar Branch | Delmar , NY | 12054 | $70.9M |
| Waterford Branch | Waterford , NY | 12188 | $66.7M |
| Cohoes Branch | Cohoes , NY | 12047 | $64.3M |
| Guilderland Office | Albany , NY | 12203 | $58.4M |
| Colonie Branch | Albany , NY | 12205 | $48.4M |
| Schenectady Branch | Schenectady , NY | 12305 | $46.8M |
| Glenmont Branch | Glenmont , NY | 12077 | $44.8M |
| Cairo Branch | Cairo , NY | 12413 | $24.5M |
| Queensbury Branch | Queensbury , NY | 12804 | $17.3M |
| Albany Branch | Albany , NY | 12207 | $11.6M |
| Greenville Branch | Greenville , NY | 12083 | $10.4M |
| Hudson Branch | Hudson , NY | 12534 | $1.0M |
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 |
|---|---|---|---|
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired Pioneer Commercial Bank 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 58 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 874 applications, 257 loans originated, $60.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $5.1M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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, N.A.
What are Pioneer Bank, N.A.'s total assets?
As of the Q2 2026 filing, Pioneer Bank, N.A. reported total assets of $2.34 billion in its FFIEC call report.
Where is Pioneer Bank, N.A. headquartered?
It is headquartered in Albany, NY, United States.
When was Pioneer Bank, N.A. founded?
It was established in 1889, per the FDIC institution directory.
Is Pioneer Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer Bank, N.A.?
Pioneer Bank, N.A.'s primary federal regulator is the OCC.
What is Pioneer Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.22% 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, N.A. operate?
It operates 21 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, N.A.'s Texas Ratio?
Its Texas Ratio is 3.31% 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.
What was Pioneer Bank, N.A. previously called?
The charter now named Pioneer Bank, N.A. has also operated as Pioneer Bank (2019-2024), Pioneer Savings Bank (1972-2019), per FDIC structure-change records.
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