Pioneer State Bank — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Pioneer State Bank is an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $122M in total assets and $95M in deposits. The bank reported a loss in the most recent quarter, with ROA at -0.77% and ROE at -5.01%. Under the simplified Community Bank Leverage Ratio framework, leverage of 15.68% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. It operates 2 branches, primarily in Montana.
Headquarters Profile
- Address
- 202 N Main St , DEER LODGE , MT 59722
- County
- Powell
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 14
- Established
- January 1, 1912
- Branches
- 2 domestic
- Employees (FTE)
- 19
- FDIC Cert
- 29517
- Fed RSSD
- 445674
- Website
- www.pioneerfed.com →
- Parent Holding Company
- PSB FINANCIAL, INC. (RSSD 6098184)
Profitability
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Pioneer State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | — | -0.77% | 0.00% | 0.28% | 3.37% |
| 2025-12-31 | — | -0.06% | 0.00% | 0.00% | 3.36% |
| 2025-09-30 | — | -0.07% | 0.00% | 2.34% | 3.41% |
| 2025-06-30 | — | 0.22% | 0.00% | 0.31% | 3.43% |
| 2025-03-31 | — | -0.71% | 0.00% | 0.30% | 3.20% |
| 2024-12-31 | — | 0.21% | 0.00% | 4.37% | 3.14% |
| 2024-09-30 | — | 0.28% | 0.00% | 2.67% | 3.19% |
| 2024-06-30 | — | 0.92% | 0.00% | 0.00% | 3.09% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 2 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pioneer Federal Savings And Loan Association | Deer Lodge , MT | 59722 | $47.4M |
| Dillon Branch | Dillon , MT | 59725 | $38.7M |
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Frequently asked about Pioneer State Bank
What are Pioneer State Bank's total assets?
As of the Q1 2026 filing, Pioneer State Bank reported total assets of $122.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pioneer State Bank headquartered?
Pioneer State Bank is headquartered in DEER LODGE, MT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pioneer State Bank founded?
Pioneer State Bank was established in 1912, per the FDIC institution directory.
Is Pioneer State Bank FDIC-insured?
Yes. Pioneer State Bank is an FDIC-insured commercial bank (FDIC Certificate #29517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer State Bank?
Pioneer State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Pioneer State Bank operate?
Pioneer State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Pioneer State Bank's Texas Ratio?
Pioneer State Bank's Texas Ratio is 0.28% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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