# PIONEER BANK
MAPLETON, MN · FDIC certificate 5193 · 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 | $883.8M | |
| Deposits | $763.0M | |
| Loans and leases | $649.0M | |
| Total equity | $89.9M | |
| Loans / deposits | 84.21% (p57 of band) | 82.04% |
| Liquid assets / assets | 21.38% (p36 of band) | |
| Uninsured deposits / deposits | 22.65% (p39 of band) | 25.97% |
| Brokered deposits | 3.93% | |
| Wholesale funding | 6.82% (p66 of band) | |
| FHLB advances / assets | 2.83% | |
| Tier 1 leverage | 10.20% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -10.48% (p42 of band) | -8.10% |
| AOCI / equity | 0.04% (p82 of band) | |
| ROA (annualized) | 1.57% (p68 of band) | 1.28% |
| Net interest margin | 4.18% (p66 of band) | 3.91% |
| Efficiency ratio | 57.01% (p36 of band) | |
| Noncurrent loans | 0.58% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 176.35% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 76.38% (p76 of band) | |
| Auto loans | $1.7M (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 118 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | liquid assets <10% |  |
| 2015-03 | 0 |  | liquid assets <10% |
| 2015-06 | 1 | liquid assets <10% |  |
| 2015-09 | 1 | capital falling | liquid assets <10% |
| 2015-12 | 1 | reserve under noncurrent | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | brokered >10% |  |
| 2017-12 | 4 | liquid assets <10%, reserve under noncurrent |  |
| 2018-03 | 2 | loans exceed deposits | charge-offs p90, brokered >10%, reserve under noncurrent |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 | charge-offs p90 | liquid assets <10%, loans exceed deposits, reserve under noncurrent |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | noncurrent p90, charge-offs p90 |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 3 | noncurrent p90 | capital falling |
| 2021-12 | 2 |  | noncurrent p90 |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity, charge-offs p90 | reserve under noncurrent |
| 2022-12 | 3 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 1 |  | securities losses >30% of equity, noncurrent p90 |
| 2024-03 | 0 |  | reserve under noncurrent |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 2 | capital falling, reserve under noncurrent |  |
| 2025-03 | 0 |  | capital falling, reserve under noncurrent |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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
- 2019-09-27 [Pioneer Bank to buy Nicollet County Bank in April, name to change in August - southernminn.com](https://news.google.com/rss/articles/CBMihAJBVV95cUxPVFEzalhlNVBWcGxhOWdmTFlEbUpSVjRTdktVdF9CaThic19kVTMtNHNrTjV6U01PMlZYMHpVY0I4QkthVkw4MUJTb0d5bTdjbVd2X1R1WHd1aU1Nc3N2d2VWejU5b2ZNMXhPZkJydEpmTjZ4QV9UNU1mTHRtb1RzTFpvX0hrdmxSWXZPOW5ZcURTQTFxS0VDQUt2UUFpUUVPZTRaODE1cjhrX3ZUb1FJeWQ4WTh1NTE1VzFvc1pTeVItWjdkWUVtbG1pZXp0WmlkZVVsdVRjTXV2cmhZQ2VvVk1oMHBJSDZNaGFMRkZ0VkVSQUgxOFhlZS1GdUJJZEhGWVNNMA?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
- 2015-06-07 [Pioneer bank donates Elmore building - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOMzluSEVTWkZhSzU4ZFYzZDRJalJHOHpVUjdoQ0lsTXBOM2hIZGNfdEptSnhMc3VsV1lpVFkxY0RHMENuVUZ5LWVDSS14Q0tUUUs3U0Vwb1pKQkFwcWJGeXBxZm1QZ0FfZDZZZl9ldTVXM3FZTUlDVkJXYThvdjM2b0RrS0FTTHZabjE1YWh1OVdHXzV2VUFWcjVsUzdSTzlDZmM1UEl3cw?oc=5) · faribaultcountyregister.com
- 2025-07-11 [Bank partnerships award funds to local initiatives - Mankato Free Press](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPNUkzbi1IRkhBNUYtNDdoUUZrRlZnbnRVaENNQUNsT1JqN3htTFZFcmhSRWhjelk0VEdHQ2p4bk5SNkUwajJ5clZlT2M2UDZYUGJpT0xqWUt5amFtVHR6dy1lZG1nTmhRbFlHdW1TU3RsUzFxVmkyWXNTVHVOM3BfQTBjQTAyTXdyM0NZY1lELVFzdnVBQnkxUEN6dFE5b2hoZVVLc3dQZHV3SXdCcW5RdjVEZmtxQ0x4QTI0aG5fbE1hTDN2aXJ5MkV3amloN3dGd3dyMU9kV2dzYWJIZE1yZzlfbw?oc=5) · Mankato Free Press
- 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
- 2017-12-08 [Park State, Pioneer banks to merge - BusinessNorth](https://news.google.com/rss/articles/CBMixwFBVV95cUxPSWJBUHVPUUhRVG1sMThrb095ZXVJdVk3Ymt5WjU5cDg2emNNZXkzRkhRelBaTWs3SjdwcFVvR042Z1ZHenRfbEtDNmZsRDJwRU03Wm1lS01OVzFmbmpHb1JiMUo3X1d0eWZabnV3X09xQkhhSWFmODNOUnZ3QXJmeURNVWpHTkhIdFdIWFdqampVX0wwTWF2T0NaOUp5M1JKbEY2aHNVZmUzWXZxbWdHX2xDdS1SZ3hVQWRPM1ZIYTNhMEZnazhj?oc=5) · BusinessNorth
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5193 (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/9.json (key "5193", 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