Pioneer Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 7.7% in Q2 2026, from -$12.0M to -$11.1M. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Pioneer Bank & Trust is 16th of 36 on CET1 ratio, 18.59% as of Q2 2026, above the middle of the field. Pioneer Bank & Trust reported 18.59% on CET1 ratio for Q2 2026, 5.11 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.59% |
| Tier 1 risk-based capital ratio | 18.59% |
| Total risk-based capital ratio | 19.60% |
| Tier 1 leverage ratio | 11.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $116.3M |
| Tier 1 capital | $116.3M |
| Total risk-based capital | $122.6M |
| Total equity capital | $105.2M |
| Risk-weighted assets | $625.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.42% |
| Tangible equity to tangible assets | 10.42% |
| Equity capital to average assets | 10.50% |
| Internal capital growth rate | 9.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $495K |
| Common stock surplus | $32.5M |
| Retained earnings | $83.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$11.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.56% | 16.56% | 17.40% | 9.70% | $598.7M |
| Q4 2023 | 17.02% | 17.02% | 17.89% | 9.42% | $585.3M |
| Q1 2024 | 16.96% | 16.96% | 17.82% | 9.58% | $597.2M |
| Q2 2024 | 16.85% | 16.85% | 17.72% | 10.03% | $615.8M |
| Q3 2024 | 17.18% | 17.18% | 18.11% | 10.27% | $615.7M |
| Q4 2024 | 17.28% | 17.28% | 18.19% | 10.35% | $607.8M |
| Q1 2025 | 17.34% | 17.34% | 18.25% | 10.93% | $615.9M |
| Q2 2025 | 17.89% | 17.89% | 18.84% | 11.15% | $610.2M |
| Q3 2025 | 18.06% | 18.06% | 19.01% | 11.36% | $621.2M |
| Q4 2025 | 17.02% | 17.02% | 17.93% | 10.91% | $649.0M |
| Q1 2026 | 18.19% | 18.19% | 19.11% | 11.30% | $626.2M |
| Q2 2026 | 18.59% | 18.59% | 19.60% | 11.61% | $625.4M |
Pioneer Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank & Trust, freeSource: Call Report Schedule RC-R, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15562) · FFIEC NIC profile (RSSD 65559)