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Pioneer Bank

$100M-$1B Specialty: Commercial IA FDIC cert 19540

Sergeant Bluff, IA

4 branches across IA · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits -8.5% year over year ($243.0M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 1.67%.
  • Efficiency ratio 51.72% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Pioneer Bank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.34% above tier average
  • + Efficiency Ratio 12.76% below tier average
  • + Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.8% in tier
  • - Credit Quality Pressure: Bottom 15.3% in tier
  • - Deposit Outflow: Bottom 24.3% in tier
  • - Credit Risk Growth: Bottom 30.2% in tier
  • - Net Interest Margin 0.29% below tier average
Get updates when Pioneer Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $282.8M
-4.4% YoY -4.2% QoQ
-$103.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $205.6M
+7.1% YoY +2.3% QoQ
-$52.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $243.0M
-8.5% YoY -7.2% QoQ
-$83.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.67%
+26.4% YoY +4.8% QoQ
+0.34% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 3.70%
+21.1% YoY +3.7% QoQ
-0.29% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
37%
Efficiency Ratio ? 51.72%
-8.5% YoY -2.4% QoQ
-12.76% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
80%
Delinquency Rate ? 0.09%
+0.3% QoQ
-0.83% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 84.58%
+17.1% YoY +10.2% QoQ
+6.63% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 20.81%
+2.6% YoY +5.1% QoQ
-1.22% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.07%
+7.2% QoQ
-0.60% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 10.56%
+15.8% YoY +6.4% QoQ
-5.35% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.13%
-37.7% YoY +115.9% QoQ
-0.44% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 20.8%
+0.5pp YoY
+1.0pp QoQ
 -1.3pp 22.1% 17.8% 22.2% 49%
Brokered Deposits 0.8%
+0.8pp YoY
+0.8pp QoQ
 -7.1pp 7.9% 6.0% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 7.3%
-1.1pp YoY
-0.1pp QoQ
 -4.2pp 11.6% 12.8% 12.5% 35%
CRE 44.2%
+1.8pp YoY
+2.8pp QoQ
 +4.6pp 39.5% 28.3% 41.4% 60%
1-4 Family 38.1%
+0.1pp YoY
-1.2pp QoQ
 +5.4pp 32.6% 23.0% 31.3% 67%
Consumer 0.5%
-0.1pp YoY
-0.2pp QoQ
 -3.6pp 4.1% 2.9% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 10.6%
+1.4pp YoY
+0.6pp QoQ
 -1.6pp 12.2% 12.4% 12.6% 42%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 33
+1 (+3.1%) YoY
+2 (+6.5%) QoQ
 -26 58 64 482 31%
Assets per Employee ($) $8.6M
-7.3% YoY
-10.0% QoQ
 +$1.1M $7.5M $8.9M $8.8M 75%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 18%
Allowance Coverage 14.95x
+0.8% QoQ
 -9.21x 24.15x 18.97x 20.23x 86%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 16.8%
+1.4pp YoY
+0.3pp QoQ
 +4.6pp 12.2% 12.8% 11.6% 76%
Cost of Funds (YTD) 1.7%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 54%
Net Income ($, YTD) $2.4M
+29.1% YoY
— QoQ
 -$157K $2.6M $4.0M $40.4M 60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#33 of 661 • Bottom 4.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.56%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Pressure

risk
#193 of 1256 • Bottom 15.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#131 of 535 • Bottom 24.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Credit Risk Growth

risk
#284 of 936 • Bottom 30.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

539
Efficiency Ratio
profitability
Value: 51.72%
Peer Median: 64.48%
#539 of 2643 Top 20.4% in $100M-$1B
637
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2179
Tier 1 Capital Ratio
capital
Value: 10.56%
Peer Median: 15.91%
#2179 of 2643 Bottom 17.6% in $100M-$1B
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