Pioneer Trust Bank, N.A.: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.06 percentage points higher than in Q1 2026, at 158.93%. Within Oregon, Pioneer Trust Bank, N.A. is 5th of 12 on loan-to-deposit ratio, 85.48% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Pioneer Trust Bank, N.A. sits 4.65 points higher, at 85.48% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $514.8M |
| Net loans and leases | $505.8M |
| Loans held for sale | $0 |
| Loans to total assets | 72.26% |
| Loan-to-deposit ratio | 85.48% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.22% |
| Multifamily (5+ residential) | 11.44% |
| Commercial and industrial | 18.68% |
| Consumer | 0.31% |
| Credit cards | 0.27% |
| Farm | 1.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 158.93% |
| Construction concentration (Tier 1 capital + allowance) | 23.43% |
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 | — |
| Interest income on loans | $8.6M |
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 | $520.0M | $647.5M | 48.23% | 21.26% | 0.33% |
| Q4 2023 | $528.8M | $588.6M | 47.37% | 21.37% | 0.36% |
| Q1 2024 | $534.9M | $568.4M | 48.14% | 21.18% | 0.27% |
| Q2 2024 | $548.9M | $569.8M | 47.18% | 21.30% | 0.25% |
| Q3 2024 | $533.0M | $590.1M | 47.81% | 20.44% | 0.25% |
| Q4 2024 | $530.7M | $601.6M | 49.09% | 18.92% | 0.30% |
| Q1 2025 | $520.1M | $593.2M | 50.05% | 18.37% | 0.35% |
| Q2 2025 | $509.4M | $612.0M | 49.91% | 18.43% | 0.30% |
| Q3 2025 | $506.2M | $620.8M | 50.22% | 17.00% | 0.28% |
| Q4 2025 | $491.5M | $628.0M | 50.82% | 17.08% | 0.29% |
| Q1 2026 | $495.9M | $601.4M | 49.08% | 18.53% | 0.32% |
| Q2 2026 | $514.8M | $602.2M | 49.22% | 18.68% | 0.31% |
Pioneer Trust Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Trust Bank, N.A., 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 Trust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19827) · FFIEC NIC profile (RSSD 852973)