Pioneer Bank & Trust: 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.
Loan-to-deposit ratio dropped 1.85 percentage points in Q2 2026, from 63.06% to 61.22%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, Pioneer Bank & Trust is 29th of 56 on return on assets, 1.38% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Pioneer Bank & Trust sits 0.11 points higher, at 1.38% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.59% |
| Tier 1 risk-based capital ratio | 18.59% |
| Total risk-based capital ratio | 19.60% |
| Tier 1 leverage ratio | 11.61% |
| Equity capital to assets | 10.42% |
| Tangible equity to tangible assets | 10.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 2.28% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 247.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.38% |
| Return on equity | 13.40% |
| Net interest margin | 3.92% |
| Efficiency ratio | 48.61% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.22% |
| Core deposits to total deposits | 91.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.80% |
| Securities to assets | 32.34% |
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 | 16.56% | 16.56% | 17.40% | 9.70% | 0.67% |
| Q4 2023 | 17.02% | 17.02% | 17.89% | 9.42% | 0.85% |
| Q1 2024 | 16.96% | 16.96% | 17.82% | 9.58% | 0.81% |
| Q2 2024 | 16.85% | 16.85% | 17.72% | 10.03% | 1.21% |
| Q3 2024 | 17.18% | 17.18% | 18.11% | 10.27% | 1.04% |
| Q4 2024 | 17.28% | 17.28% | 18.19% | 10.35% | 0.97% |
| Q1 2025 | 17.34% | 17.34% | 18.25% | 10.93% | 1.16% |
| Q2 2025 | 17.89% | 17.89% | 18.84% | 11.15% | 1.45% |
| Q3 2025 | 18.06% | 18.06% | 19.01% | 11.36% | 1.66% |
| Q4 2025 | 17.02% | 17.02% | 17.93% | 10.91% | 1.14% |
| Q1 2026 | 18.19% | 18.19% | 19.11% | 11.30% | 1.61% |
| Q2 2026 | 18.59% | 18.59% | 19.60% | 11.61% | 1.38% |
Pioneer Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15562) · FFIEC NIC profile (RSSD 65559)