# PIONEER BANK
STANLEY, VA · FDIC certificate 6913 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $371.8M | |
| Deposits | $296.2M | |
| Loans and leases | $289.9M | |
| Total equity | $43.5M | |
| Loans / deposits | 97.06% (p85 of band) | 82.04% |
| Liquid assets / assets | 20.17% (p33 of band) | |
| Uninsured deposits / deposits | 24.27% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.07% (p70 of band) | |
| FHLB advances / assets | 8.07% | |
| Tier 1 leverage | 11.96% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -2.29% (p77 of band) | -8.10% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 2.81% (p97 of band) | 1.28% |
| Net interest margin | 4.63% (p86 of band) | 3.91% |
| Efficiency ratio | 44.88% (p10 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p4 of band) | |
| Reserve coverage of noncurrent | 2875.90% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 48.92% (p56 of band) | |
| Auto loans | $10.6M (3.66% of loans; DQ 2.33%, NCO -0.02%) | |
| Loans to nondepository financials | $17.6M (40% of equity) (p99 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 55 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits |  |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 2 | loans exceed deposits |  |
| 2013-09 | 3 | charge-offs p90 |  |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | loans exceed deposits |
| 2014-12 | 2 | noncurrent p90 |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 2 |  | noncurrent p90, liquid assets <10% |
| 2015-12 | 3 | capital falling, noncurrent p90 | loans exceed deposits |
| 2016-03 | 3 | loans exceed deposits | noncurrent p90 |
| 2016-06 | 4 | charge-offs p90 |  |
| 2016-09 | 3 |  | loans exceed deposits |
| 2016-12 | 3 | liquid assets <10% | capital falling |
| 2017-03 | 1 |  | charge-offs p90, liquid assets <10% |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 1 | loans-to-lenders >50% equity |  |
| 2020-03 | 3 | capital falling, charge-offs p90 |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | charge-offs p90 |  |
| 2020-12 | 1 |  | capital falling, charge-offs p90 |
| 2021-03 | 1 | charge-offs p90 | loans-to-lenders >50% equity |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | charge-offs p90 |  |
| 2024-03 | 1 | capital falling | charge-offs p90 |
| 2024-06 | 2 | loans-to-lenders >50% equity |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | capital falling, loans-to-lenders >50% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | assets shrinking |  |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 1 | loans exceed deposits |  |
| 2026-03 | 0 |  | loans exceed deposits |
| 2026-06 | 0 |  |  |

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

- 2026-03-27 [Pioneer Community Bank breaks ground on Oak Hill, Daniels locations - WVNS](https://news.google.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?oc=5) · WVNS
- 2026-02-21 [Pioneer Bank & Trust invests $5,000 in Spearfish education - Black Hills Pioneer](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOaHNHV1R4eXBWWDBpUFI4SXFGeFMyX01oblNDVnZ6QTV4cXVDSlY3MHpaVGxPUXFiaXlTYU5PcmJOaDZZWGNtaExnWVZzNl9TdnAzdFEtUEF0NFN2Ymp1OUItWmxQVFpyRW1ZRXE5YXlMbWF3OVJITHJpemJUMFZ6Tjc3VkhyQmx0dUg3VldLdmVKamV1cEtmQld1Q19UaUxsUTkwbmMxV2FwaVk4NHlPMEhUeFg4cU4yUUlNUnlQbHpfVUdzdFlrTXZNUHMtTHZLd3ZwMmE3X3duUQ?oc=5) · Black Hills Pioneer
- 2024-01-28 [Check fraud scams causing headaches for banks and customers - Times Union](https://news.google.com/rss/articles/CBMinwFBVV95cUxNRDlOVWhaMkdlNmtFaGdRZTVfQ2I0QzRWMW14bUJKVFZBVEFCUjRkRjdQby1oUU1GdFpQLXRxVjc5dkhoUks5UlYzeGFOTC05TmNfaUdtQlcxa3hCTWxXVjJpLWk5QWh5UUtCajBPM3BYcmNHc2RybXB5cmczamM3b3U3X2dHdTdGYWF6d09GclM4VUdVZHpqZWFXa2U2S1k?oc=5) · Times Union
- 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
- 2018-02-06 [Rebirth: The de novo bank class of 2018 - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxNS05MbnJ5QVVITnotRHc0dnFHNWVjbm9fanRGdDRXVkdibVNPc1d4aHlUOXJMQzQwdWRkUmZ3MV9DV3lyLWJNYmI4UmlTQjU4NzB0bW1BYjFRdWZ0WTJiLWRYd3RJZkRkTTYyTm8yLWlmN21taGVJLXFhcWF5OTBoY3g5Ymg1Zw?oc=5) · American Banker
- 2021-10-12 [Invest South/West Reveals Development Proposals For Pioneer Bank RFP In Humboldt Park - chicagoyimby.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPNm4wMGN4amw2SGR2ak5LX2V6UVRsQ1JBRVktbHQybmFvWGZoc1hJbl9OOHhzUDVxQ1o0YzZESmlQYVVreVlEVUNxY1pMa2k5cWo4RVVyOXhCVmEzSUFKdnAtd2ZOZ25QakhKUWpHVklrNnJtM1FMWU1JZnFFS2h0Tl9sa0hrUnduQkRGV0NlYk52MFFKbndPTlUycFdMUUFlWWFXWVpfZDdZQXhxcEZLVno1MkgtRzNURWlXUnllSkc?oc=5) · chicagoyimby.com
- 2026-01-07 [Pioneer Bancorp ranks 79th on Fortune's fastest-growing companies list - The Daily Gazette](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNb3VnRVR4NjhFMU1aSW9Vb19BRWd4aU1JRk9DeG12M01XWUFQRTQ2eTNZVnAyQ2I1VTR6cjlhXzREX2FCekhseWVNaktyVkpuY2ZlWFByT1JnVkVtaWZPcWl1XzFGMXo4cVZXSkpJa28yRTgwTER1NUN0U0g3c3piclRWYXhfMWVyYTlCZmNPZG55dWZJcjdsU2FONzlPTnQxVUpUelNUOUNpb2xPYTl2REE1dUNGTnhRSm8zVXA4VFJaM0VBUVJoVGJoTmZHOWI3bjVSbkhQMVE1YTJQc0xTTEc2SGhFaDVTcUxtMlhyZGpEaFZk?oc=5) · The Daily Gazette
- 2024-04-19 [The rise, fall and recovery of Blue Ridge Bank | Business - Page Valley News](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rcThnbi1Vek0yVURBZGR0MjljdzRsX2lXcUVzMEt3Z3VFcnBtYTBvTlRtRDliN0JUa1hvY0UxczEtX2h0N0lEWDhmcG5KcW1NdTBBQWtHODNoV1hFekp0NHNiaFJLQ3R5akJvRlpZSFR5U01CZjBiUmxlTDRqUQ?oc=5) · Page Valley News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6913 (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/1.json (key "6913", 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