Pioneer Bank, N.A.: 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%.
Tangible equity to tangible assets dropped 1.60 percentage points in Q2 2026, from 12.32% to 10.72%. It was the largest change from Q1 2026 among the key lines here. Within New York, Pioneer Bank, N.A. is 64th of 82 on CET1 ratio, 13.22% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Pioneer Bank, N.A. reported 13.22% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 9.97% |
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 | $223.6M |
| Tier 1 capital | $223.6M |
| Total risk-based capital | $244.9M |
| Total equity capital | $285.5M |
| Risk-weighted assets | $1.69B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.20% |
| Tangible equity to tangible assets | 10.72% |
| Equity capital to average assets | 12.46% |
| Internal capital growth rate | 4.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $65.2M |
| Retained earnings | $216.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $12.1M |
| 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 | 18.31% | 18.31% | 19.57% | 11.39% | $1.14B |
| Q4 2023 | 18.31% | 18.31% | 19.57% | 11.30% | $1.16B |
| Q1 2024 | 18.56% | 18.56% | 19.82% | 11.39% | $1.17B |
| Q2 2024 | 18.40% | 18.40% | 19.66% | 11.65% | $1.20B |
| Q3 2024 | 18.19% | 18.19% | 19.45% | 12.13% | $1.25B |
| Q4 2024 | 17.99% | 17.99% | 19.24% | 12.07% | $1.29B |
| Q1 2025 | 17.86% | 17.86% | 19.12% | 11.74% | $1.33B |
| Q2 2025 | 17.28% | 17.28% | 18.54% | 11.93% | $1.41B |
| Q3 2025 | 15.95% | 15.95% | 17.21% | 11.45% | $1.48B |
| Q4 2025 | 16.30% | 16.30% | 17.56% | 11.53% | $1.48B |
| Q1 2026 | 16.20% | 16.20% | 17.45% | 11.56% | $1.52B |
| Q2 2026 | 13.22% | 13.22% | 14.48% | 9.97% | $1.69B |
Pioneer Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20741) · FFIEC NIC profile (RSSD 237619)