# PIONEER TRUST BANK NA
SALEM, OR · FDIC certificate 19827 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $712.5M | |
| Deposits | $602.2M | |
| Loans and leases | $514.8M | |
| Total equity | $108.7M | |
| Loans / deposits | 83.99% (p56 of band) | 82.04% |
| Liquid assets / assets | 28.30% (p60 of band) | |
| Uninsured deposits / deposits | 35.37% (p80 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.26% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -0.47% (p90 of band) | -8.10% |
| AOCI / equity | -0.43% (p45 of band) | |
| ROA (annualized) | 2.56% (p95 of band) | 1.28% |
| Net interest margin | 4.39% (p77 of band) | 3.91% |
| Efficiency ratio | 36.03% (p3 of band) | |
| Noncurrent loans | 1.32% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 132.18% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 25.45% (p32 of band) | |
| Auto loans | $4,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | charge-offs p90 | capital falling |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 | charge-offs p90 | capital falling |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | charge-offs p90 |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 2 | deposits shrinking, assets shrinking |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 2 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 0 |  | charge-offs p90, capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 0 |  | charge-offs p90, capital falling |
| 2026-06 | 0 |  |  |

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

- 2018-01-11 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPakMtU01rdmNMd29XSm1tUHc2Z3IzbjhJYXFvTVNuRmJ0LTlhZFBvbUZlbXNWOGF0eTV0MklLTnBVcWd1TW5kT29MX2JrRUJPbWZkWl9kU3NIMXZ4emJMRUhieXBjRmFKV2lmQ2hmTVRYU2I3M25HczhCN1F4SzVjU3UzRGhJb1pxeFpyclNsRDlsX3ozS0NmdU5BTzRwVEVwZVJBVEF2akowSmFLREU0blBWeUt1Ym51cHdCUkNORWJFQmRIeE1CMUZEVXBTTV9tWXJhbVBzdW5FU0stdXBqSg?oc=5) · Federal Reserve Bank of San Francisco
- 2025-04-05 [The TJX Companies, Inc. (NYSE:TJX) Shares Sold by Pioneer Trust Bank N A OR - InsuranceNewsNet](https://news.google.com/rss/articles/CBMirAFBVV95cUxNNUdhUnhqS3RUMGhrZy0wS2hTcWxxZ3RNdmNwMGZ4LVRRaU5LaDJCM0VKcmlJeDNDMXE0aHBtMmRBcTZ2MWF5aE9PNFdTMnREQXR2NF8tT2V3d3hXSEQ0MkFTRmdOUTNNZi13UHNzN2w4QUFaS0lnQ1doSktjQndrb1l2cDJkc2wtMF9iNUl1M2JTMXlrc3dpUGFBUkZzMU5YNHFaSmtWZFBhbE5E?oc=5) · InsuranceNewsNet
- 2025-08-15 [Volunteer group cares for historic Salem cemetery older than Oregon - Statesman Journal](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNNWpHNmszbkpsdEVQNVBDQWk0M1hHY0hfZlUxbVEwem9SUndBODFrZmNDeUtCTFNkN2loeHJibnRzbGdxSHFhOTFrSWVVamZHZlhOQzFJbTdQZVJiMG1yZWJ4ZDZibzVqVzJMM25KeHdLQUlwN3JmWDRJcnlnRFlHZkhGNnp4Q3pFcC11RmFXNmhPNjdsZ2tmZS05eUJfaEFHc0FNNXhybm9fSm9GTkZCcDlNLWo2czNxU2RMWHVHWVZwN3BaNHYzcWJZbERQQXlXSGVVeFJfcw?oc=5) · Statesman Journal
- 2021-01-11 [Membership and Leadership Announcements for the Federal Reserve Bank of San Francisco’s Head Office Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMinAJBVV95cUxOay0xR2dlVXBDVUNncWVjNWE4anhEWVFXSXFrczRWUnNDMjdXSFN2VWl0NXBhV09KSldKcG1BX3hkTFY5eGVlY2tzVjBsbmV6TGNKRkd6R0dKZjFTNjRtTURlbzNkNG14VWZPTHdad0FtUGJfdFg3b29aQlluX2pwZWpHdXA3RXlqWng3SjA4MDdaWXlqcGJyNjVkaFJvOGtpdjVFbkZlZW1Cb29RQXlfVVRiUXNKQklsV1dhMXpGZ3JqckhScXk5dWpTRXpIZnJjdHZLbnh6UGZHc2JTejZQQzFjS2VRdjZyVzZiaE53X1hvMndscHk3YWNYT3VSN3A0T01rYUd3M3RGMklPYXVIbWtCQTE4T3BJUDlXSg?oc=5) · Federal Reserve Bank of San Francisco
- 2018-01-11 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Portland Branch Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi-AFBVV95cUxObVFhdlR2SF9SajJCZFZNS3ZwbTNubGlVYnZ0VFdrUHJ6Zy1JSkJ4dUJ4OWhyYjZkN1NDT1o1aHJiTFc5eUl3V3RpWGhWalFKWVBXRWN3TGI4YWg1MzgzUWtSV2J4aWRNMmE3Q0JoekdHelBmZVM5SHF4empnSUs3bzRCeWtsbEdUN2tIVkVjQkJRM0hOVC1NV3BZMl8xS3h2a2hPWmlfa0xLZ19DbVVmOXNJdlh2dy1nV0hfX1VCdWNVcS1jNE52T2NpUE42dU9aT1hwN0xNSXoyOEYzd0dmYWVxb2UzQlZ3WG5kZENxMm1YYjJKeVFhZQ?oc=5) · Federal Reserve Bank of San Francisco
- 2016-06-17 [Marion County court records: June 11-17 - Statesman Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxQU3NYS3VTWHdFR0hSTEgzNVZ1OTk2NkZwcTItMGtnclNEcE5ydTFaQXZTcjdraWNveUJXQVNoaGFERDRCVFlzWEJMcTBwZ2VpSzN4LWZ3XzF3czVVMmlkeUlGYVlhYnlHRUpTSUR3c0twZ1psam1wNDNic0ZfVmxkNVdsVm5INm8xOVVQQ0tza214VHZkUzVRQWo4dWNHUQ?oc=5) · Statesman Journal
- 2014-01-21 [Brian Rice Appointed to the Portland Branch Board of the Federal Reserve Bank of San Francisco - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMitwFBVV95cUxQamJrc3Q4Z2NJTUJyakktRUkwZXdydWRPRHdPNU9PbEZSMlIxRmNYMVp3TFdpYnBrV1Q3NjlJQmRvQU1WQkpXM1hjU25maUFfRFlkaUxNVzBSdVpON01DWTVZc1BmZ2hxVEg0Ty13ME9aSzNueDAyU0VqeUlsTElUd1BKQWdFZkNmTWdzamZwUDZGU014cDdsTmNadDltVjJ5TnprUFp4Z2F2UFEweVVWLUVpek5Pa0U?oc=5) · Federal Reserve Bank of San Francisco
- 2015-08-07 [Marion County court records, July 30-Aug. 6 - Statesman Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQOUg5emMtYUJCS1JTaGwzV1RxTDM1SF9Eb09aNTdxbmU0Zk5uQzRURWpOVjdXWmhpc1dTYjNyVkg4LVZHXzlzU0o3eWYxVEtZOFZkZjNWWG1oT0U1bmx1WkxQZmIzOXZfVVM4YjFSV2FvV25wS3BfczZXRmdJZGg3ZmI0RlpxUy1yeEs4LXI3N1NzMHliT2RPa1QzTmJWN1VSWGhz?oc=5) · Statesman Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19827 (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/51.json (key "19827", 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