# PIONEER BANK SSB
AUSTIN, TX · FDIC certificate 58577 · asset band $1-10B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.52B | |
| Deposits | $1.19B | |
| Loans and leases | $823.8M | |
| Total equity | $170.9M | |
| Loans / deposits | 68.73% (p41 of band) | 72.64% |
| Liquid assets / assets | 39.74% (p71 of band) | |
| Uninsured deposits / deposits | 36.47% (p59 of band) | 32.22% |
| Brokered deposits | 1.80% | |
| Wholesale funding | 12.30% (p88 of band) | |
| FHLB advances / assets | 10.50% | |
| Tier 1 leverage | 11.04% (p78 of band) | 9.47% |
| Unrealized securities loss / equity | -14.72% (p37 of band) | -11.11% |
| AOCI / equity | -4.17% (p63 of band) | |
| ROA (annualized) | 0.56% (p14 of band) | 1.02% |
| Net interest margin | 2.51% (p15 of band) | 3.08% |
| Efficiency ratio | 81.65% (p92 of band) | |
| Noncurrent loans | 0.59% (p70 of band) | 0.31% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | 142.82% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 74.66% (p73 of band) | |
| Auto loans | $107,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 172 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 1 | construction >100% equity |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 0 |  | construction >100% equity, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | construction >100% equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 | expense ratio p90 | construction >100% equity, capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | capital falling, construction >100% equity |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2017-09 | 3 | deposits shrinking |  |
| 2017-12 | 6 | wholesale funding >15%, capital falling, losing money |  |
| 2018-03 | 4 | expense ratio p90 | uninsured deposits leaving, capital falling, losing money |
| 2018-06 | 4 | charge-offs p90 | construction >100% equity |
| 2018-09 | 3 | capital falling | deposits shrinking, charge-offs p90 |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | expense ratio p90, capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | brokered >10% |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 | construction >100% equity | brokered >10%, capital falling |
| 2020-12 | 3 | reserve under noncurrent |  |
| 2021-03 | 2 |  | reserve under noncurrent |
| 2021-06 | 2 | assets shrinking | wholesale funding >15% |
| 2021-09 | 2 | deposits shrinking | construction >100% equity |
| 2021-12 | 1 |  | deposits shrinking |
| 2022-03 | 3 | expense ratio p90, deposits shrinking |  |

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

- 2016-02-29 [Pioneer Bank Merger is Successfully Completed - PR Newswire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOYnRYdFFDMk51QmZvd0FSWnNlOHJEQ0Z1dVRZbUlhU3RNbEJscGVfWGVodkVmVnBtU0dwRU5ONWVxT05LdXltWENwRWV1VXNVUC1OZDNYSnJweWlvcGZGampjMTJfdDBYVVV6Z0w4SUswSVBLTWFIODhZcEk1Z3RxZmtwc2MxYW5WRE1YTlJTdUh4QWk1YVBmNWxWb3hYd1JyN2V3?oc=5) · PR Newswire
- 2022-03-09 [Sunflower Bank purchase of Pioneer Bank gets regulatory green light - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNREpqTHBjcy1GZmV6UmY0VGZJTWdkNWs5YUJncXBOS2Y0cFFhRm1KWnFVbDBoOGZ5dVNzS2x6aXJmVTR6bTNRQkV3bGhCWEV1NHp5WjBJTkZReVZwM3pWejFsQjJLUEdHZGRTR3pHZHB5dUYwRmhyN0dSZzVGLU55M3hxWFJWaFM5NWRIeF9fbUJtQk9DV3NzcU1UVTlZek9XLVplUi1zYw?oc=5) · The Business Journals
- 2021-05-14 [Pioneer and Pioneer Bank to merge into FirstSun and Sunflower Bank - Salina Journal](https://news.google.com/rss/articles/CBMivAFBVV95cUxNOHJDQ0xIaWNSVEFjRjNYd1phSGdaejdhMmJzdWdIanpMWWY0LXF2Nnd4ZU9fM2Q5aXNLTUNMa0FlYnhkNFczY1BteERQWGpPZ0ZfR3NudGRhMkMyYjg3ZENnNVFid3FDOTJsNmZpSU91RjZFelNCT1FpVThTdTRCYUN4SFFYbHdLNWNnSk9KREFqWmtRZTJJY1FzaDNYcnpoSlpzaklsanZBakpkNUdjaWl6dzA4cm1HbXY4aQ?oc=5) · Salina Journal
- 2015-08-14 [Pioneer Bank and First Community Bank Announce Merger - financialit.net](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMFUwZFRMQTktNDFrdlFrVWdfb2FIcEFYVlU1TjRaQnZKMUF2QlJxd0JEdVdCUzlRVUZjREZVWHJvSGVMTS1sYVRTbnhzVmdQRUFGcGpjemZ6RmhhWUJlTHMxN2MxYXVfcDZpUUljUExJUVU5SWdXdzc3NDhSZDJCYm5zY1IyQVdXQlprYkhvSDVnc0RmYUE?oc=5) · financialit.net
- 2022-03-08 [FirstSun Capital Bancorp and Pioneer Bancshares, Inc. Announce Receipt of Approvals for Merger - Business Wire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQNmdYOE9QaVpWRnpreWJ4cTc1aTltMm5fcW5qSS1ZZDhwX1l6RXhtZ3BBU0tTeDZCbnFabGRKSFFLU1lON0hjRTNNbWpKSTdHYlVvZUpwZTJ3OUFWcFJJYXk3TXZJb01Zbjk3aWphMnRKaTlfY1JseDJHZUZIRDVEZXRlRWpTNThLWWV1UnBQVUZIR1ZhQ2hnMkVwWlBKc2h1OGtFUVR2c3NtNU90YS1ia1VSZThfSzAwUjNrWWR5a3NSc092ZE81akdLT2d2SXhYUGwtRnFFWWdoZTF0NUotLXc0YWg?oc=5) · Business Wire
- 2022-05-03 [GB Chamber celebrates Sunflower Bank with a ribbon cutting - Great Bend Tribune](https://news.google.com/rss/articles/CBMilwFBVV95cUxQeVNHd21HYmxLYkZTaVJLOVBVbDNEOHpXZHFMVDgzLVlUU0h4cmV3ZFhnQ0R1SWNkX1J5dDJub1pwWWM3U25JaXVlRDI5bGpULWN4WDhsc0FXWmJPQndfU19PbkhUc3ZEZDhoS1hZTEtMbFZOb1J0WnFmSUUwTWVCdm0xUWNIQ3RJeGhRWjZtNkxzeUEycTdr?oc=5) · Great Bend Tribune
- 2021-05-11 [FirstSun Capital Bancorp to Acquire Pioneer Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxNVXNLMmo5VkxGUTR6Z2owd25mTUJCVXZXelE4NGZMSmV0dll0Nm1STzhvTGpmNDNON3NwTXV5UTlLcG9YTGhKTDd5WF9VRUd4ck00eGlwLXZLSmd4T0tmSzBGZHFuTWNDYzdET1Q2d3ozVVFxNzFONEpQLWFWWFJyaXRhcDJUNnl6RXV3aWNaLUplUkFqM3RXQnFoQmFmcXhMMVZWRUhXRHJBTXp6enAxM3ZRekw?oc=5) · PR Newswire
- 2020-12-11 [Pioneer Bank names first Austin market president - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQZVJJTVpONGdNYWJWX0V0Zk9PMXVNa1Q5SEhqS0VoejZEVENVOFF1UW13aW1vTlkzdnpLNjAwQXdicDhNTjg2WWt2V1BZc3lsOWZRclJ5SjJLTmJ6bWUxcVZoZXlzaUhVYzlHT3haaGVFMnBDaXBWWXR5VURBVTRpRVl6aURJZDJYT3RrcTdRaDgwcFJ3ZHo3UzRESGpfQzB5WXI1Z3d0MA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58577 (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/17.json (key "58577", 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