Pioneer Trust Bank, N.A.
BankRegReports is independent of Pioneer Trust Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pioneer Trust Bank, N.A. is an FDIC-insured commercial bank headquartered in Salem, OR, established in 1924 (FDIC certificate 19827), and it is supervised by the OCC. At Q2 2026 it reported total assets of $712.5M, down 0.5% from Q2 2025, the 7th largest of 12 banks headquartered in Oregon. Its CET1 capital ratio was 19.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19827
- Headquarters
- Salem, OR
- Established
- 1924
- Total assets, Q2 2026
- $712.5M
- Assets vs Q2 2025
- -0.5%
- CET1 ratio, Q2 2026
- 19.92%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 123200059
- Latest call report
- Q2 2026, FFIEC 051 · Pioneer Trust Bank, N.A. call report
- Holding company
- PTB CORPORATION
- Asset rank in state
- 7th of 12 in Oregon
Problem loans are rising at Pioneer Trust Bank, N.A.. It reported $713 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.32% of loans from 0.25% a year earlier. It earns about $2.61 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
The non-owner-occupied commercial real estate book ($99 million) is worsening: 4.74% of it is past due or on nonaccrual, up from 0.47% a year earlier. Net income for the quarter rose 14% from a year earlier, to $4.7 million.
As of June 30, 2026, Pioneer Trust Bank, N.A. reported a CET1 capital ratio of 19.92%, a return on assets of 2.61%, a nonperforming-loan ratio of 1.32% and a Texas ratio of 5.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pioneer Trust Bank, N.A. is the 7th largest of the 12 banks headquartered in Oregon. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $712.5M, loans rose 3.8% and deposits rose 0.1%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 30.1% of total loans, followed by non-owner-occupied commercial real estate loans at 19.1%. The FDIC Summary of Deposits lists 2 offices for it, in Salem, OR. On its Q2 2026 call report, Pioneer Trust Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 109 Commercial St Ne, Salem, OR 97301
- County
- Marion
- Metro Area
- Salem, OR
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $602.2M
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $714.6M
- Average total loans
- $510.1M
- Average interest-bearing deposits
- $590.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1968
- FDIC Cert
- 19827
- Fed RSSD
- 852973
- Website
- WWW.PIONEERTRUSTBANK.COM →
- Parent Holding Company
- PTB CORPORATION (RSSD 1404735)
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 Trust Bank, N.A.'s total assets ran between $665.0M (Q1 2024) and $739.0M (Q3 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
$712.5M total assets against $716.1M; $603.9M total liabilities against $613.7M.
$505.8M net loans and leases against $501.1M; $602.2M total deposits against $612.0M.
$57.8M securities against $49.5M; $143.9M cash and balances due against $160.9M.
$10.5M total interest income against $10.3M; $2.5M total interest expense against $2.8M.
$8.1M net interest income against $7.5M.
$2.3M total noninterest income against $2.4M; $3.7M total noninterest expense against $3.3M.
$250K provision for credit losses against $650K.
$4.7M net income against $4.1M.
2.61% return on assets against 2.33%; 4.54% net interest margin against 4.28%.
19.92% CET1 capital ratio against 18.67%; 15.26% tier 1 leverage ratio against 14.57%.
Inside the full Pioneer Trust Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePioneer Trust Bank, N.A. rankings
Its closest position to the top of a national ranking is 98 of 3,606, for efficiency ratio; its furthest is 1,356 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.50% (Q4 2024) to 2.61% (Q2 2026) and its net interest margin ran from 3.78% (Q3 2024) to 4.54% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.92% | 2.61% | 1.32% | 5.78% | 4.54% |
| Q1 2026 | 20.13% | 2.57% | 1.04% | 6.74% | 4.21% |
| Q4 2025 | 20.11% | 2.28% | 0.99% | 6.53% | 4.28% |
| Q3 2025 | 19.24% | 2.33% | 1.07% | 4.85% | 4.11% |
| Q2 2025 | 18.67% | 2.33% | 0.25% | 1.15% | 4.28% |
| Q1 2025 | 17.52% | 2.32% | 0.34% | 1.62% | 4.04% |
| Q4 2024 | 16.75% | 1.50% | 0.65% | 3.26% | 4.13% |
| Q3 2024 | 16.36% | 1.84% | 0.98% | 5.01% | 3.78% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Pioneer Trust Bank, N.A. (main office) | Salem , OR | 97301 | $504.8M |
| Medical Center Branch | Salem , OR | 97301 | $97.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in OR, rank 17 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 13 loans originated, $13.6M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $260K approved, $260K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Trust Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pioneer Trust Bank, N.A.
What are Pioneer Trust Bank, N.A.'s total assets?
As of the Q2 2026 filing, Pioneer Trust Bank, N.A. reported total assets of $712.5 million in its FFIEC call report.
Where is Pioneer Trust Bank, N.A. headquartered?
It is headquartered in Salem, OR, United States.
When was Pioneer Trust Bank, N.A. founded?
It was established in 1924, per the FDIC institution directory.
Is Pioneer Trust Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19827). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pioneer Trust Bank, N.A.?
Pioneer Trust Bank, N.A.'s primary federal regulator is the OCC.
What is Pioneer Trust Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pioneer Trust Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pioneer Trust Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 5.78% 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 Trust Bank, N.A.
Get an email when Pioneer Trust Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock Pioneer Trust Bank, N.A., freeFree account