# PIONEER BANK
ROSWELL, NM · FDIC certificate 27872 · asset band $1-10B · 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 | $1.09B | |
| Deposits | $850.8M | |
| Loans and leases | $628.0M | |
| Total equity | $116.2M | |
| Loans / deposits | 72.33% (p20 of band) | 87.10% |
| Liquid assets / assets | 36.88% (p87 of band) | |
| Uninsured deposits / deposits | 18.72% (p15 of band) | 30.76% |
| Brokered deposits | 0.46% | |
| Wholesale funding | 10.72% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.32% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -17.47% (p24 of band) | -7.75% |
| AOCI / equity | -1.50% (p8 of band) | |
| ROA (annualized) | 2.58% (p96 of band) | 1.26% |
| Net interest margin | 4.92% (p94 of band) | 3.70% |
| Efficiency ratio | 49.92% (p24 of band) | |
| Noncurrent loans | 1.71% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 117.53% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 102.62% (p89 of band) | |
| Auto loans | $1.6M (0.25% of loans; DQ 1.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 148 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 1 | wholesale funding >15% |  |
| 2012-06 | 0 |  | wholesale funding >15% |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 3 | capital falling, expense ratio p90 |  |
| 2015-06 | 1 |  | capital falling, expense ratio p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 3 | capital falling, reserve under noncurrent |  |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | reserve under noncurrent |  |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2018-09 | 2 |  | deposits shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 3 | reserve under noncurrent |  |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 1 | assets shrinking | wholesale funding >15%, uninsured deposits leaving |
| 2020-06 | 1 | reserve under noncurrent | assets shrinking |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | noncurrent p90, construction >100% equity |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | capital falling |  |
| 2021-09 | 3 |  | capital falling |
| 2021-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | wholesale funding >15%, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 6 | noncurrent p90, deposits shrinking |  |
| 2023-09 | 7 | reserve under noncurrent |  |
| 2023-12 | 6 | charge-offs p90 | wholesale funding >15%, deposits shrinking |
| 2024-03 | 4 |  | uninsured deposits leaving, charge-offs p90 |
| 2024-06 | 5 | wholesale funding >15% |  |
| 2024-09 | 4 | charge-offs p90 | securities losses >30% of equity, wholesale funding >15% |
| 2024-12 | 5 | securities losses >30% of equity |  |
| 2025-03 | 3 |  | charge-offs p90, securities losses >30% of equity |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 3 |  | capital falling |
| 2025-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2026-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 1 |  | noncurrent p90, reserve under noncurrent |

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

- 2026-07-26 [‘Feels like a family’: Pioneer Bank is the No. 1 midsize Top Workplaces company - Albuquerque Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOX3J2UlZ2SXlpUUVRSnNoRG14aG5JOFJTUGVKZjBJQzlTNzNoWHc3SFZWUTJnZGRDaE9lN0gwUUl5NXUwaklMYVc0bDNfVzBfNmF3OWREWkU4TmtrWGoyOUxoTmZZbTJScE5wOUpJeXVEbktfSlM0T1VjTy1wekdLS3NqX0RDYy1zXzFuQjRYQlBsN09RdFQ0dlk4anRJdGVZSThZNXZ3ckM3MTgxWnZrbGZvRVU2eTM0ZV9Z?oc=5) · Albuquerque Journal
- 2018-01-18 [Pioneer Bank branches to be sold to Las Cruces' Western Heritage - El Paso Times](https://news.google.com/rss/articles/CBMivgFBVV95cUxPOTlMV3I4a2k2WElMRlh1ZTNZTFdKeU9PY1NSX2tHd0dpQVA3S2RaQXpnSDVvckJqNENRVkxNOXJ4M0FUTUZOOHRwN2dNRzllVng3aTRCSVN5NmEzTndJV1RYTVJfTFpSVE1sdjh5RklrYWcwNExPT2RTd0NUYXFjVHFyTTd5WDR5LUhlVXB3ZnVMdUNkenhvQWFGQnpnWlI0NFd5ZUR6b3daUmh1dkRWd1BJMjRxNDZPeUtDemVB?oc=5) · El Paso Times
- 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
- 2021-03-01 [Pioneer Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMiekFVX3lxTE5pcU42TTM1dmhZNkN1VnAydzllekc3XzdOOTFacmhncnhKdnNJdlhhMmxnWnRuNkh4WXJYUWhUOWU4VzRvdXYzX1h5N3JHTDIydmd1YnAyWWFMdTVadDJsX2VLTThfcW80X1B4d0wtZzN5c0xpNDZJVllR?oc=5) · SmartAsset
- 2023-03-13 [For Lanie Smith, catching bank robbers is just part of the job - Albuquerque Business First - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxOdkktNC12R1pVX1V6QjNlRXMtb0lIWks4eko1bURoVEZGRWZoYklSUTJhWGdnZW10amZjU2xBNW84dFpWSDRwdUhJS2VUYm5EVXFwWVJwdnE0aWNUYUVWRjF6X3hVempNS09ZUFV4bHpMOUhsZzBVMnp0QWt4cUszMlZlMk1jUTFJZGE3Y25iR1N6VXFiZ2NYd0RwbUFVcnY0?oc=5) · The Business Journals
- 2022-05-27 [Pioneer Bank location in Richardson changes name to Sunflower Bank - Community Impact](https://news.google.com/rss/articles/CBMitAFBVV95cUxQYmhTNGhIaGNEMlJaSlhuNkYxMmNOOXNpamd2QU4tV2ZlRExsQzEzLUJJLWh0RTI4Q1RGNVVsMGVxME9GZDlVX1hhdTAzLW5adHo4aEZ5R05laXFVV2VZMWk0NE9jdzl1MUJ0N2hKMWFWcmE5anotWVJIQjEzaFh6ZkFlMW5YUTNVM2FYM3NBLVV0eUlJZXJHak9vNTY5bVRJYWxQbE1hdGNNTE9xLW41NFllSnc?oc=5) · Community Impact
- 2016-03-28 [Las Cruces police search for Pioneer Bank robber - KFOX](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSE04ck9pVzVhRUZ3ZEY2OEQ4NmdMdHRiNVZVUEd6dEUwVnN0UUJRMFpIdGVJZHNGalJVTTBvSi05aHBOMlhMY0tYRXprUE9kYUpiaVdFdVVZRU9DMWdIRmdLSnRXVjFFaTIzS2V0VUNqdk05bFEyNkhLWFRCaXJEV3BITXFGUVNjUXZ3?oc=5) · KFOX
- 2015-12-11 [Hobbs Man Accused of Defrauding Bank - newswest9.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNYURKNWJlTm51Zk5NZEpzeE5Ob21ESlJaaGhFTmhQX1lKdnRnYzEwVWQzbFZtZ2RrVHZrSzZkV1paNmwtVWhBU245WFpsSUptMElBUE9FWXRESVhxc205YTlDR1FmMnpJTzZ3N2ZqRi1jalg0dDQwUm1wc0hzcGc2N3A5QjByM1RWcFJvMnV4S2hWa19ERl9abVI2d0ZxRHRBbVR5cmtqaVczTTVGVTFZcnRQcTlyZzBsZHFwbGlCRQ?oc=5) · newswest9.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27872 (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/32.json (key "27872", 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