# PIONEER BANK
AUBURNDALE, WI · FDIC certificate 10734 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $161.2M | |
| Deposits | $141.6M | |
| Loans and leases | $122.1M | |
| Total equity | $18.1M | |
| Loans / deposits | 86.21% (p70 of band) | 76.58% |
| Liquid assets / assets | 16.07% (p14 of band) | |
| Uninsured deposits / deposits | 10.98% (p27 of band) | 16.53% |
| Brokered deposits | 1.91% | |
| Wholesale funding | 1.91% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.68% (p8 of band) | 11.42% |
| Unrealized securities loss / equity | -0.02% (p15 of band) | 0.65% |
| AOCI / equity | 0.84% (p32 of band) | |
| ROA (annualized) | 0.34% (p12 of band) | 1.01% |
| Net interest margin | 4.39% (p80 of band) | 3.82% |
| Efficiency ratio | 87.23% (p87 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 69% | |
| Construction % of loans | 4.35% (p27 of band) | |
| Auto loans | $908,000 (0.74% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-12 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | expense ratio p90 |  |
| 2019-12 | 2 | capital falling, uninsured deposits leaving | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [MidCountry Bank names Community Resource Bank CEO as next leader - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVVhkLWcxY29yRUQtOFdUd1c3dmlBV08zSGRsNE5TaFNMT2RUX3duWlZUdlBNdGZrWmQ2SEZtdE5yY0VnSmZDdWRuRS1DbE1mZEFFVlJDbjI0QUlGOE51UTF5dWJsV1N0WmdvdXQ0bG1aMXlmWEt0VEJuSGJ1eFJtZmdwUXNPMGlHVUN2RVFTRU92TlFIUTRUUDdVdzFSMW9zOVNrQXJsaWVvSjA?oc=5) · The Business Journals
- 2026-03-27 [Pioneer Community Bank breaks ground on Oak Hill, Daniels locations - WVNS](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPcTVqeW9Yd2dEVmVsd2liZ3VzR04yOVpCT25OT2gtOFVieXViRGhwbFZGU1pSUVlYX21tVmNtRm1SOHQzRzlkdjBRMVpSWTRIUGdXMWhVOWdGN3V4d2pFX1lqaE4tXzR2TEJ6ZWZ5djV2RDkyeEdKS2JmcUEzWjVYOVhuTTQ1MVpiTTAtNUdES2N0M29seF9Gdm9fekZzeGpiV0FyZURxNXVlUlRVaTVxTy1LY1lWRGd1aHY0T1ZTcGpaMzVBX3Q2ONIBzgFBVV95cUxPWVIybmxiUlNfcEZUcnBMTG0yMHQ5dGU2X3E5a3ZGRUJsVFVjeXYwZGRZcWVJdzZyZFpURVBVWEdzQlNiV2RNdEVMN2lsY0RmOGY0THFfSlJZbkhNMDNaa3FaQTItelpZdVZPVzFfUlh5VnNaS3dObnRXZWxLbDdhbzJTOVM3eE1TbG5MRlBOMFNQR2dwUzJidVVhbklPWVBkeklibHBSTlhoaTRpSmJMU29lV0NDRGxPckhSYUtZMllpTXlLSF9nQnJpNk1tQQ?oc=5) · WVNS
- 2026-02-21 [Pioneer Bank & Trust invests $5,000 in Spearfish education - Black Hills Pioneer](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOaHNHV1R4eXBWWDBpUFI4SXFGeFMyX01oblNDVnZ6QTV4cXVDSlY3MHpaVGxPUXFiaXlTYU5PcmJOaDZZWGNtaExnWVZzNl9TdnAzdFEtUEF0NFN2Ymp1OUItWmxQVFpyRW1ZRXE5YXlMbWF3OVJITHJpemJUMFZ6Tjc3VkhyQmx0dUg3VldLdmVKamV1cEtmQld1Q19UaUxsUTkwbmMxV2FwaVk4NHlPMEhUeFg4cU4yUUlNUnlQbHpfVUdzdFlrTXZNUHMtTHZLd3ZwMmE3X3duUQ?oc=5) · Black Hills Pioneer
- 2019-05-01 [New London's First State Bank buys central Wisconsin bank - WLUK](https://news.google.com/rss/articles/CBMimgFBVV95cUxQRHdIWmEtOHYwamQzeTFRR1ZHTDRZeHB6UzJoRGRINkU2V1RBV2MzeHBSR2xSN0E1MjFoNERnWEsyQ25MRTk2RlJjdEY1TENwTVlsZWZuSHpmb3dlNmZDbDAteGlfMG5HYlpBbWNNUkRHdlNWV3Z5RzlzX21kUFBWSkpGenZVN1pHcFg1ZjJPenl0eHFTR0J6ZEZR?oc=5) · WLUK
- 2023-12-14 [Pioneer Bank class action alleges company improperly assesses overdraft fees - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOa1dtUlNzZ2hZWUlzZlRzTndFUjB4eTNWTkg5aFNKR2Y3N2FkdGlxSnNHSUNBVVlqVWM3allyd3JVazl6b214ay1jRDE1eFY1Z2g1MFhCemJkQU1tYmtTUTFUcGtGRVZMQkpsWlpPWkFBb3VHZGgtMUY4dHcyT0FIMm9aQkpFRjlHaHRvRF9aZVFpSWlUUG5VWW1fX0JRLXZvdDFVQzRvc1pBdnhkbEpmWXFWUGt0SjUwUmt6WEFTa2NRVzZMNG9GbWJvbS1fR2k0VVE?oc=5) · Top Class Actions
- 2025-10-29 [Thomas H. Henseler Obituary (2025) - Marshfield, WI - Rembs Funeral Home and Crematory - Marshfield - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRXFsQjFmQVlSbng4QnRFcFowVlN3cmFIOW04OTFUb2VMbmJ0bWZKSlRUc3NreGxlclN4OEswYTdObW5sY3VPYUxORW9qRDdJZnlja01vWXlBN0F5YnZRZFhuWXNxZWszWWhmSy1jV2xJZGNoVnZ3cFN5dDJsYm5mVXdnR28?oc=5) · Legacy obituary
- 2026-01-07 [Pioneer Bancorp ranks 79th on Fortune's fastest-growing companies list - The Daily Gazette](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNb3VnRVR4NjhFMU1aSW9Vb19BRWd4aU1JRk9DeG12M01XWUFQRTQ2eTNZVnAyQ2I1VTR6cjlhXzREX2FCekhseWVNaktyVkpuY2ZlWFByT1JnVkVtaWZPcWl1XzFGMXo4cVZXSkpJa28yRTgwTER1NUN0U0g3c3piclRWYXhfMWVyYTlCZmNPZG55dWZJcjdsU2FONzlPTnQxVUpUelNUOUNpb2xPYTl2REE1dUNGTnhRSm8zVXA4VFJaM0VBUVJoVGJoTmZHOWI3bjVSbkhQMVE1YTJQc0xTTEc2SGhFaDVTcUxtMlhyZGpEaFZk?oc=5) · The Daily Gazette
- 2014-01-31 [It's not just about the dollar signs: Bank president sets the record straight - Sioux City Journal](https://news.google.com/rss/articles/CBMirgFBVV95cUxOQ0tGbGFveExYTkl0ckE1Vl9wT09JQ004YmtXOVZqd2g3R1VLRWowbjVkaWRDSXFxRjN6YU1EeUp1Wi1YZG5YZGxJOUdjZVdZTV93cnc3ZEp5QlNWZ2xOTnh5RHhnX1hxenAtTFMtbGxWMGYyWnF5Skp4ZTlIcEdGRGNDRXk1TkctQlZ5azU4ZmIxMVJxSnMyeUpUZnZXa0xnX0RIZTFEb0FrR3MtLVE?oc=5) · Sioux City Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10734 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/46.json (key "10734", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide