Pioneer Bank, N.A.: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 24.90 percentage points higher than in Q1 2026, at 244.87%. Pioneer Bank, N.A. ranks 29th of 105 New York banks on loan-to-deposit ratio, in the upper half at 94.54% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Pioneer Bank, N.A. sits 6.34 points higher, at 94.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.90B |
| Net loans and leases | $1.87B |
| Loans held for sale | $0 |
| Loans to total assets | 81.12% |
| Loan-to-deposit ratio | 94.54% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.43% |
| Multifamily (5+ residential) | 6.87% |
| Commercial and industrial | 14.22% |
| Consumer | 0.77% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.87% |
| Construction concentration (Tier 1 capital + allowance) | 83.26% |
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 | $27.8M |
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 | $1.22B | $1.69B | 24.98% | 7.81% | 0.97% |
| Q4 2023 | $1.29B | $1.58B | 23.68% | 6.92% | 0.91% |
| Q1 2024 | $1.33B | $1.70B | 23.15% | 7.09% | 0.88% |
| Q2 2024 | $1.37B | $1.60B | 21.84% | 7.21% | 0.77% |
| Q3 2024 | $1.42B | $1.72B | 21.25% | 7.49% | 1.06% |
| Q4 2024 | $1.46B | $1.64B | 20.15% | 7.25% | 1.00% |
| Q1 2025 | $1.51B | $1.77B | 19.83% | 7.09% | 1.10% |
| Q2 2025 | $1.57B | $1.79B | 19.65% | 7.11% | 1.07% |
| Q3 2025 | $1.64B | $1.93B | 20.66% | 7.49% | 0.94% |
| Q4 2025 | $1.67B | $1.78B | 20.25% | 7.32% | 0.99% |
| Q1 2026 | $1.73B | $1.89B | 18.98% | 7.40% | 0.96% |
| Q2 2026 | $1.90B | $2.01B | 17.43% | 14.22% | 0.77% |
Pioneer Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20741) · FFIEC NIC profile (RSSD 237619)