Pioneer Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.26 percentage points higher than in Q1 2026, at 308.30%. Pioneer Bank, N.A. ranks 86th of 105 New York banks on return on assets, in the lower half at 0.50% (Q2 2026). Pioneer Bank, N.A.'s return on assets of 0.50% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.22% |
| Tier 1 risk-based capital ratio | 13.22% |
| Total risk-based capital ratio | 14.48% |
| Tier 1 leverage ratio | 9.97% |
| Equity capital to assets | 12.20% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 3.31% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 308.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.50% |
| Return on equity | 4.06% |
| Net interest margin | 4.04% |
| Efficiency ratio | 79.75% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.54% |
| Core deposits to total deposits | 83.85% |
| Brokered deposits to total deposits | 14.17% |
| Deposits to assets | 85.81% |
| Securities to assets | 10.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.31% | 18.31% | 19.57% | 11.39% | 0.71% |
| Q4 2023 | 18.31% | 18.31% | 19.57% | 11.30% | 0.65% |
| Q1 2024 | 18.56% | 18.56% | 19.82% | 11.39% | 0.95% |
| Q2 2024 | 18.40% | 18.40% | 19.66% | 11.65% | 0.79% |
| Q3 2024 | 18.19% | 18.19% | 19.45% | 12.13% | 1.28% |
| Q4 2024 | 17.99% | 17.99% | 19.24% | 12.07% | 0.61% |
| Q1 2025 | 17.86% | 17.86% | 19.12% | 11.74% | 1.07% |
| Q2 2025 | 17.28% | 17.28% | 18.54% | 11.93% | 1.19% |
| Q3 2025 | 15.95% | 15.95% | 17.21% | 11.45% | 0.81% |
| Q4 2025 | 16.30% | 16.30% | 17.56% | 11.53% | 0.68% |
| Q1 2026 | 16.20% | 16.20% | 17.45% | 11.56% | 1.01% |
| Q2 2026 | 13.22% | 13.22% | 14.48% | 9.97% | 0.50% |
Pioneer Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)