Pioneer Bank & Trust: 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.
Cre concentration (tier 1 capital + allowance) dropped 7.23 percentage points in Q2 2026, from 125.62% to 118.39%. It was the largest change from Q1 2026 among the key lines here. Pioneer Bank & Trust ranks 42nd of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 61.22% (Q2 2026). Pioneer Bank & Trust reported 61.22% on loan-to-deposit ratio for Q2 2026, 26.98 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $548.8M |
| Net loans and leases | $542.5M |
| Loans held for sale | $1.1M |
| Loans to total assets | 54.36% |
| Loan-to-deposit ratio | 61.22% |
| Net loans to equity capital | 5.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.64% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 20.07% |
| Consumer | 1.83% |
| Credit cards | 0.00% |
| Farm | 9.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.39% |
| Construction concentration (Tier 1 capital + allowance) | 58.79% |
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 | 7.27% |
| Interest income on loans | $10.0M |
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 | $452.7M | $816.5M | 29.76% | 21.46% | 2.83% |
| Q4 2023 | $454.2M | $859.2M | 32.36% | 20.84% | 2.68% |
| Q1 2024 | $474.1M | $849.2M | 30.78% | 21.24% | 2.54% |
| Q2 2024 | $494.8M | $821.4M | 30.15% | 20.93% | 2.39% |
| Q3 2024 | $501.9M | $816.6M | 30.86% | 20.78% | 2.35% |
| Q4 2024 | $503.8M | $863.5M | 31.20% | 20.79% | 2.08% |
| Q1 2025 | $526.7M | $829.2M | 30.75% | 20.60% | 1.92% |
| Q2 2025 | $529.1M | $859.6M | 29.18% | 19.81% | 1.92% |
| Q3 2025 | $541.7M | $848.8M | 30.49% | 19.36% | 1.94% |
| Q4 2025 | $537.0M | $906.0M | 29.02% | 19.18% | 1.89% |
| Q1 2026 | $551.2M | $874.1M | 28.83% | 19.38% | 1.78% |
| Q2 2026 | $548.8M | $896.5M | 27.64% | 20.07% | 1.83% |
Pioneer Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15562) · FFIEC NIC profile (RSSD 65559)