Pioneer Trust Bank, N.A.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 39.94 percentage points lower than in Q1 2026, at 132.20%. As of Q2 2026, Pioneer Trust Bank, N.A. ranks first in Oregon on return on assets among 12 banks, at 2.61%. Pioneer Trust Bank, N.A.'s return on assets of 2.61% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.35 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.92% |
| Tier 1 risk-based capital ratio | 19.92% |
| Total risk-based capital ratio | 21.17% |
| Tier 1 leverage ratio | 15.26% |
| Equity capital to assets | 15.25% |
| Tangible equity to tangible assets | 15.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 5.78% |
| Allowance for credit losses to loans | 1.75% |
| Reserve coverage of non-performing loans | 132.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.61% |
| Return on equity | 17.25% |
| Net interest margin | 4.54% |
| Efficiency ratio | 35.63% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.48% |
| Core deposits to total deposits | 94.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.52% |
| Securities to assets | 8.11% |
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 | 15.07% | 15.07% | 16.32% | 13.72% | 1.95% |
| Q4 2023 | 15.42% | 15.42% | 16.67% | 13.57% | 2.25% |
| Q1 2024 | 15.50% | 15.50% | 16.75% | 14.32% | 1.99% |
| Q2 2024 | 15.71% | 15.71% | 16.97% | 14.57% | 2.29% |
| Q3 2024 | 16.36% | 16.36% | 17.48% | 14.33% | 1.84% |
| Q4 2024 | 16.75% | 16.75% | 18.00% | 13.97% | 1.50% |
| Q1 2025 | 17.52% | 17.52% | 18.77% | 14.41% | 2.32% |
| Q2 2025 | 18.67% | 18.67% | 19.92% | 14.57% | 2.33% |
| Q3 2025 | 19.24% | 19.24% | 20.49% | 14.47% | 2.33% |
| Q4 2025 | 20.11% | 20.11% | 21.37% | 14.28% | 2.28% |
| Q1 2026 | 20.13% | 20.13% | 21.38% | 15.11% | 2.57% |
| Q2 2026 | 19.92% | 19.92% | 21.17% | 15.26% | 2.61% |
Pioneer Trust Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pioneer Trust Bank, N.A., 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 Trust Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19827) · FFIEC NIC profile (RSSD 852973)