Pioneer Trust Bank, N.A.: 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%.
The biggest quarter-over-quarter change on this page was a small one: Risk-weighted assets edged up 2.4% between Q1 2026 and Q2 2026, to $547.4M. On CET1 ratio, Pioneer Trust Bank, N.A. is 3rd from the bottom among 6 Oregon banks, 19.92% (Q2 2026). Pioneer Trust Bank, N.A. reported 19.92% on CET1 ratio for Q2 2026, 4.85 points above the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 19.92% |
| Tier 1 risk-based capital ratio | 19.92% |
| Total risk-based capital ratio | 21.17% |
| Tier 1 leverage ratio | 15.26% |
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 | $109.0M |
| Tier 1 capital | $109.0M |
| Total risk-based capital | $115.9M |
| Total equity capital | $108.7M |
| Risk-weighted assets | $547.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.25% |
| Tangible equity to tangible assets | 15.25% |
| Equity capital to average assets | 15.20% |
| Internal capital growth rate | 5.34% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $7.1M |
| Retained earnings | $97.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$376K |
| 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 | 15.07% | 15.07% | 16.32% | 13.72% | $623.3M |
| Q4 2023 | 15.42% | 15.42% | 16.67% | 13.57% | $619.5M |
| Q1 2024 | 15.50% | 15.50% | 16.75% | 14.32% | $622.7M |
| Q2 2024 | 15.71% | 15.71% | 16.97% | 14.57% | $623.6M |
| Q3 2024 | 16.36% | 16.36% | 17.48% | 14.33% | $603.7M |
| Q4 2024 | 16.75% | 16.75% | 18.00% | 13.97% | $591.8M |
| Q1 2025 | 17.52% | 17.52% | 18.77% | 14.41% | $575.4M |
| Q2 2025 | 18.67% | 18.67% | 19.92% | 14.57% | $549.2M |
| Q3 2025 | 19.24% | 19.24% | 20.49% | 14.47% | $542.5M |
| Q4 2025 | 20.11% | 20.11% | 21.37% | 14.28% | $528.3M |
| Q1 2026 | 20.13% | 20.13% | 21.38% | 15.11% | $534.5M |
| Q2 2026 | 19.92% | 19.92% | 21.17% | 15.26% | $547.4M |
Pioneer Trust Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Trust Bank, N.A., 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 Trust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19827) · FFIEC NIC profile (RSSD 852973)