Pioneer Bank & Trust
BankRegReports is independent of Pioneer Bank & Trust and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pioneer Bank & Trust is an FDIC-insured commercial bank headquartered in Belle Fourche, SD, established in 1937 (FDIC certificate 15562), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.01B, up 5.3% from Q2 2025, the 18th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 18.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15562
- Headquarters
- Belle Fourche, SD
- Established
- 1937
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 18.59%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 091408763
- Latest call report
- Q2 2026, FFIEC 041 · Pioneer Bank & Trust call report
- Holding company
- BELLE FOURCHE BANCSHARES, INC.
- Asset rank in state
- 18th of 56 in South Dakota
Pioneer Bank & Trust, based in Belle Fourche, South Dakota, reported $1.0 billion in assets at June 30, 2026, up 5.3% from a year earlier. It carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 18.59% of its risk-weighted assets, higher than about three-quarters of banks its size (median 13.52%).
The non-owner-occupied commercial real estate book ($55 million) is worsening: 6.77% of it is past due or on nonaccrual, up from 0.58% a year earlier. Delinquency has appeared in its $110 million commercial and industrial book: 0.62% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Pioneer Bank & Trust reported a CET1 capital ratio of 18.59%, a return on assets of 1.38%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.70%. The figures come from its call report filed with the FFIEC.
Of the 56 banks headquartered in South Dakota, Pioneer Bank & Trust is the 18th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $1.01B, loans fell 0.4% and deposits rose 2.6%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 20.1% of total loans, ahead of owner-occupied commercial real estate loans at 17.6%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in SD; its Rapid City 2 offices book 39% of its branch deposits. Judged on its Q2 2026 call report, Pioneer Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 700 State St, Belle Fourche, SD 57717
- County
- Butte
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 30, 1937
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 123
- Domestic deposits
- $896.5M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $347K
- Average total assets
- $1.00B
- Average total loans
- $551.7M
- Average interest-bearing deposits
- $653.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 4, 1937
- FDIC Cert
- 15562
- Fed RSSD
- 65559
- Website
- www.pioneerbankandtrust.com →
- Parent Holding Company
- BELLE FOURCHE BANCSHARES, INC. (RSSD 1143511)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Pioneer Bank & Trust's total assets ran between $952.8M (Q4 2024) and $1.04B (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.01B total assets against $958.7M; $904.3M total liabilities against $867.6M.
$542.5M net loans and leases against $523.4M; $896.5M total deposits against $859.6M.
$326.5M securities against $349.0M; $92.0M cash and balances due against $37.4M.
$12.1M total interest income against $11.6M; $3.0M total interest expense against $3.5M.
$9.1M net interest income against $8.1M.
$1.6M total noninterest income against $1.5M; $5.2M total noninterest expense against $4.7M.
$878K provision for credit losses against $217K.
$3.5M net income against $3.5M.
1.38% return on assets against 1.45%; 3.92% net interest margin against 3.54%.
18.59% CET1 capital ratio against 17.89%; 11.61% tier 1 leverage ratio against 11.15%.
Inside the full Pioneer Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePioneer Bank & Trust rankings
Its closest position to the top of a national ranking is 682 of 3,606, for efficiency ratio; its furthest is 2,859 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 1.66% (Q3 2025) and its net interest margin ran from 2.79% (Q3 2024) to 3.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.59% | 1.38% | 0.14% | 0.70% | 3.92% |
| Q1 2026 | 18.19% | 1.61% | 0.01% | 0.06% | 3.87% |
| Q4 2025 | 17.02% | 1.14% | 0.03% | 0.17% | 3.82% |
| Q3 2025 | 18.06% | 1.66% | 0.14% | 0.75% | 3.79% |
| Q2 2025 | 17.89% | 1.45% | 0.01% | 0.05% | 3.54% |
| Q1 2025 | 17.34% | 1.16% | 0.00% | 0.00% | 3.38% |
| Q4 2024 | 17.28% | 0.97% | 0.00% | 0.00% | 3.18% |
| Q3 2024 | 17.18% | 1.04% | 0.05% | 0.29% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rapid City West Branch | Rapid City , SD | 57702 | $249.4M |
| Spearfish Branch | Spearfish , SD | 57783 | $215.3M |
| Pioneer Bank & Trust (main office) | Belle Fourche , SD | 57717 | $209.5M |
| Rapid City South Branch | Rapid City , SD | 57701 | $101.2M |
| Buffalo Branch | Buffalo , SD | 57720 | $62.6M |
| Sturgis Branch | Sturgis , SD | 57785 | $58.5M |
| Administration Center | Spearfish , SD | 57783 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 17, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 17, 1989 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 18 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 192 applications, 139 loans originated, $52.7M originated, across 7 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $114K approved, $57K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Pioneer Bank & Trust’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pioneer Bank & Trust
What are Pioneer Bank & Trust's total assets?
As of the Q2 2026 filing, Pioneer Bank & Trust reported total assets of $1.01 billion in its FFIEC call report.
Where is Pioneer Bank & Trust headquartered?
It is headquartered in Belle Fourche, SD, United States.
When was Pioneer Bank & Trust founded?
It was established in 1937, per the FDIC institution directory.
Is Pioneer Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer Bank & Trust?
Pioneer Bank & Trust's primary federal regulator is the FDIC.
What is Pioneer Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pioneer Bank & Trust operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pioneer Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.70% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Pioneer Bank & Trust.
Get an email when Pioneer Bank & Trust files its next call report, and benchmark it against any peer you choose.
Unlock Pioneer Bank & Trust, freeFree account