# PIONEER BANK
SERGEANT BLUFF, IA · FDIC certificate 19540 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $282.8M | |
| Deposits | $243.0M | |
| Loans and leases | $208.4M | |
| Total equity | $29.6M | |
| Loans / deposits | 84.58% (p70 of band) | 73.59% |
| Liquid assets / assets | 24.15% (p30 of band) | |
| Uninsured deposits / deposits | 29.97% (p81 of band) | 19.81% |
| Brokered deposits | 0.66% | |
| Wholesale funding | 3.16% (p65 of band) | |
| FHLB advances / assets | 1.77% | |
| Tier 1 leverage | 10.56% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -2.59% (p67 of band) | -6.57% |
| AOCI / equity | -0.49% (p45 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 3.70% (p38 of band) | 3.93% |
| Efficiency ratio | 51.72% (p17 of band) | |
| Noncurrent loans | 0.09% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 1494.79% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 21.72% (p55 of band) | |
| Auto loans | $646,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **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 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | capital falling, losing money, charge-offs p90 |  |
| 2013-12 | 2 | deposits shrinking | capital falling, losing money |
| 2014-03 | 0 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 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 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 1 | capital falling | uninsured deposits leaving |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, uninsured deposits leaving |  |

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

- 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
- 2025-09-13 [Pioneer Bank welcomes back Mike Kunkel as market president in St. Peter - southernminn.com](https://news.google.com/rss/articles/CBMihgJBVV95cUxNZkdwMmVIMkdVV3dENGhVaF9SY05GSGlZRWFMNkQ5dEkwY296TVFkNnJ5WjR2Y1VRZDQ5aGVHVVZtR1p5VUwtZjFuem9XSFlZanV0bk9GaW5CUFlGSGZ2bjJ3RXRXUGg2ZlB0QWYwZVhXVEhTLV95ME0wTFpvcFU1ZUlmcjI4S2x0anhUUmNOTDlMVEU4RnhBRFlMYkZhZ3JjcFptRElKZWtpdF9hY2pOd0E3U3ZuYU9VcXFCNHBOLTNEcmxKR3VGV2syN0dJOHRveU9xOGFIR1dlTGc3WHREX3lpMHNRbktjaDhQQkRnMWxscm9tZXdvRVRmcEhfTEJ1Q29MTGRB?oc=5) · southernminn.com
- 2019-08-26 [Nicollet County Bank merges with Pioneer Bank, location now open - KEYC News Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYk1wZFJDbHIzcjJncUlDRHB4VTBIRkFGWFQ3NE5Ra054ZDNieWQtVUxLMDFtU3hnLWQ0Nml2WlE1QWVVeHpJcFJMSjlfMVBNa2ZNaUZtQXoxcGJHRGgtbGd3c0k3b0duX3pMZ044MC1zSGhEU2dKeGVuZVQteTY2dmxNcTNIdHdHLTF4M3RfQ2o1Qk5UUlZrYnRLdW3SAbABQVVfeXFMTi1WZWE0NDljMVRDejNjN0xVNVJWRWdHY3AxTkNUMVFhME10WEdaelRWSllpOEFYbTNoNUp2OHkyUDdrMnR5a2EyejlHVVRwZ08tZWFXM0hweVppZ2tTakszWUZmOGNSejZwNC1pNll1dnhpcFZrSWFTWnJYUk41aVFFeFYwTlZibTNhSTRsTUhiRnpwcFdKdy1MMUZWZVVVUTUySnQwTWF6LWlPUTBkbTM?oc=5) · KEYC News Now
- 2022-09-28 [Sadler joins Pioneer Bank as executive VP - Sioux City Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSG1rY1IzZWxoendiSnI1UjY0d2hWY2pVcGlxOGI1NlJQTVFER3NSRTIyM0VxNnhPd0hMNld2cy1QVGJjdUZuX1h2SmM5VmN2Q2ZSb2d1TDhjLXpFejNXaV9nQUE2aTVJSVFPNUw1TkhYdFhuWmlGTmdIbVZsMEViUDl5Z18?oc=5) · Sioux City Journal
- 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
- 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
- 2014-09-11 [Pioneer Bank & Trust in Spearfish names new manager - Rapid City Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxQOG1MeUZaSjh1a1ZqV3BtU0hmUUl1eE5sQ25DOTJsOVFvbkZQbmhidjhVVW9YNFVzXzRKekRRZDBUSGM2T1ZfTUxybFZDa0NRLURVWmpBZmJWcVJMVkRwWEpFQ1o2eVRpMnNZMnZCblBFdjFfc2lESnFDeC1ad0R6S0FPbHQ?oc=5) · Rapid City Journal
- 2017-10-14 [Roger L. Bobolz Obituary Oct 14, 2017 - Christy-Smith Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9qcEt5U3ItSkQ1SjFHVWNud18xWWRvNms2aE84UlVldzgya0hiQzd2al8wRlNseU5SOWVPN1RaU1VadjQyREh3X2pSZ1YxdkxjS0tPUFZHSjZIdFhFVHg2bUZ3?oc=5) · Christy-Smith Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19540 (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/20.json (key "19540", 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