Pioneer Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 10.72 percentage points lower than in Q1 2026, at 83.85%. Within New York, Pioneer Bank, N.A. is 29th of 105 on loan-to-deposit ratio, 94.54% as of Q2 2026, above the middle of the field. Pioneer Bank, N.A. reported 94.54% on loan-to-deposit ratio for Q2 2026, 6.34 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $89.5M |
| Cash and noninterest-bearing balances to assets | 3.42% |
| Cash and securities | $335.7M |
| Fed funds sold and reverse repos | $9.5M |
| Fed funds sold and reverse repos to assets | 0.41% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $10.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.46% |
| Trading liabilities | $8.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.54% |
| Net loans and leases to deposits | 93.14% |
| Loans and leases to core deposits | 96.45% |
| Core deposits to total deposits | 83.85% |
| Brokered deposits to total deposits | 14.17% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 72.59% | 97.88% | $0 | $12.1M |
| Q4 2023 | 81.57% | 97.01% | $0 | $11.7M |
| Q1 2024 | 78.47% | 98.09% | $0 | $11.6M |
| Q2 2024 | 85.12% | 96.52% | $0 | $11.6M |
| Q3 2024 | 82.45% | 97.68% | $0 | $11.6M |
| Q4 2024 | 88.89% | 96.39% | $0 | $51.2M |
| Q1 2025 | 85.25% | 98.22% | $0 | $11.2M |
| Q2 2025 | 87.38% | 91.95% | $0 | $11.2M |
| Q3 2025 | 84.75% | 92.00% | $0 | $11.1M |
| Q4 2025 | 93.72% | 92.28% | $0 | $60.7M |
| Q1 2026 | 91.35% | 94.57% | $0 | $10.6M |
| Q2 2026 | 94.54% | 83.85% | $0 | $10.7M |
Pioneer Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)