# PIONEER COMMUNITY BANK INC
IAEGER, WV · FDIC certificate 2448 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $191.1M | |
| Deposits | $160.2M | |
| Loans and leases | $140.8M | |
| Total equity | $24.6M | |
| Loans / deposits | 87.06% (p74 of band) | 73.59% |
| Liquid assets / assets | 17.23% (p16 of band) | |
| Uninsured deposits / deposits | 11.55% (p19 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.62% (p62 of band) | |
| FHLB advances / assets | 2.62% | |
| Tier 1 leverage | 13.58% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -7.07% (p49 of band) | -6.57% |
| AOCI / equity | 0.06% (p87 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.17% |
| Net interest margin | 4.12% (p60 of band) | 3.93% |
| Efficiency ratio | 74.31% (p69 of band) | |
| Noncurrent loans | 0.29% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p69 of band) | |
| Reserve coverage of noncurrent | 326.34% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 14.12% (p45 of band) | |
| Auto loans | $2.6M (1.86% of loans; DQ 0.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 3 | assets shrinking |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking |
| 2015-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 3 | noncurrent p90 |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | uninsured deposits leaving, noncurrent p90 |
| 2016-06 | 3 | liquid assets <10%, noncurrent p90 |  |
| 2016-09 | 2 |  | liquid assets <10% |
| 2016-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 |  | deposits shrinking, assets shrinking |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 3 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2019-06 | 3 | capital falling | reserve under noncurrent |
| 2019-09 | 1 |  | uninsured deposits leaving, capital falling |
| 2019-12 | 2 | uninsured deposits leaving |  |
| 2020-03 | 2 | capital falling | uninsured deposits leaving |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 0 |  | capital falling |
| 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 | capital falling |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 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 | 1 | capital falling |  |

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

- 2022-01-25 [Decline of US coal pressures banks at the core of community economies - S&P Global](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPb0JZdF9JN1NnaUFKOUkwdlJ4a2dQUHh0bms1VFZZbWpoVm5hSU5JNUJHRUxrLUFSRHBFMC1Wdmxpd2hJNzZjZUtWTEFCTFZrNmYtYU1ldmVic0U4ZU1feXh6aXZJS0VjUlF3dE9SZnFaMGtVdm55VjBpdWFMMnVkdlhKbVA3T1R3MjVTeDBqM0ZyVnN6MGZCTHllM1c2M0hLcFgyMkZBTnBzLXE4Y1U5VkVoanZJU0xTTl8zWllpX2NrQktyN0VOeHV3ZU91YUtjZXRJcklGaVd1cXN3Qkk0TjdaV2drN1Vja19Bcw?oc=5) · S&amp;P Global
- 2023-11-11 [Expanding Financial Inclusion in West Virginia: The Role of CDFIs and MDIs - Black By God](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOUEd1c282a0lYRW9ETnhBR1ptLVBOZXpra1lmQkF6N1RiaUxIS3FFYnFQeXZSQllxRmFDbi1HMi11N3FrM1lXYXFCMEFpZGlNcFpQS1dfTG5xVjZLeWpnaVp5VXVKVkxrbGRrQnNuM3NKY1V4dnhpbGhpUnFiRjRiMmZfNnI3M2ZPOXNPMTlvLUxmbE9pNWhYTHFMY04zUXhsLVVZWW10bXczWGVDdEp3Ui12el8xblJRUFB5QUd2Yld6RmY4MDlELVJOdk91Tk42bG5wMmgxUjBOQXM1?oc=5) · Black By God
- 2025-06-12 [Fayette County Courthouse News: June 5 through June 11 - therealwv.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNemR6WlFFWng1MllBZFJOdkxfdllOeWpWc2VCa3pTTFdrUVpjX1NTOTBUTnkwXzNDZEdfWG5BbUVaTEQ1d05LMWFMZkN6aWs4Y0JUV2p1YjQ0X1hSY2Rjd2pYQlktVHFIY0x6NEwzVjl2aWZnVXpKV2ZIOE50OWRuY0Y0UERPN3l1U1F6SUIwLXk?oc=5) · therealwv.com
- 2008-09-21 [Pioneer prepared - Bluefield Daily Telegraph](https://news.google.com/rss/articles/CBMiowFBVV95cUxPbGpwZHYyekZjNFBiaktMdnpDbDNsRGNvSU05QmF0d0xZRXdTbEh0cUxPaFZOMUF2SFRxaHZULXZCc3JGUzczdGNWdnlFNmNWR2JUQ095REZWRmh4Y1pmNWlIdFp6YlJnMzhHM3REWGpZaFJCa2tRX2FNSGNHRWVqbUpfRFIwTV9EeTczdDBSTVFkcEJma254RGJDZFo3NVAyVVJB?oc=5) · Bluefield Daily Telegraph
- 2025-05-08 [Fayette County Courthouse News: May 1 through May 7 - therealwv.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZ21Qd0lZc3JDckJLM2Rxak44dFc2cDFlVDVXVVhjTE1Pbjd4NmJjVU1YSDREbVRBOEdKa2ZwY2YtWWdPOTdFZE5uZXVqVk5vUG9XSjdXZ1BmUFhTbTI2NDBmR0JSQ1diRGVUWVRGTmdMUG1aQnkwbnJ0Uy1MbnFzSWh0aXpvejFVNDd0QWVFMA?oc=5) · therealwv.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2448 (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/16.json (key "2448", 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