Pioneer Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 17.3% higher than in Q1 2026, at $9.2M. Within New York, Pioneer Bank, N.A. is 29th of 105 on net interest margin, 4.04% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Pioneer Bank, N.A. sits 0.33 points higher, at 4.04% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 5.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.8M |
| Total interest expense | $9.2M |
| Interest expense on deposits | $8.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.66% | 1.10% | 3.63% |
| Q4 2023 | 4.83% | 1.36% | 3.57% |
| Q1 2024 | 5.12% | 1.47% | 3.79% |
| Q2 2024 | 5.20% | 1.61% | 3.75% |
| Q3 2024 | 5.48% | 1.67% | 3.95% |
| Q4 2024 | 5.33% | 1.78% | 3.71% |
| Q1 2025 | 5.35% | 1.69% | 3.85% |
| Q2 2025 | 5.54% | 1.78% | 3.92% |
| Q3 2025 | 5.71% | 1.85% | 3.98% |
| Q4 2025 | 5.65% | 1.84% | 3.95% |
| Q1 2026 | 5.55% | 1.71% | 4.01% |
| Q2 2026 | 5.71% | 1.87% | 4.04% |
Pioneer Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)