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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stanley, VA · FDIC certificate #6913
PIONEER BANK is an FDIC-insured institution based in Stanley, VA (FDIC certificate #6913). In its Q3 2026 Call Report it reported total assets of $365M, total deposits of $297M and net loans of $284M. Its primary federal regulator is FED.
Plain-language readout
PIONEER BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $372M in Q2 2026 and were lowest at $363M in Q1 2026.
Total deposits were highest at $297M in Q3 2026 and lowest at $290M in Q1 2026.
Over the whole period total assets rose 0.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $365M | $297M | $284M | 2.34% | 20.41% | 4.69% |
| Q2 2026 | $372M | $296M | $287M | 2.81% | 24.90% | 4.63% |
| Q1 2026 | $363M | $290M | $283M | 1.62% | 14.68% | 4.48% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.7M | $14.8M | -$1.1M | -7.6% |
| Federal funds sold | $637K | $1.4M | -$736K | -53.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $60.7M | $54.9M | +$5.8M | +10.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $287.5M | $282.7M | +$4.8M | +1.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.3M | $3.3M | $0K | 0.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.0M | $5.8M | +$261K | +4.5% |
| Total assets | $371.8M | $362.8M | +$9.0M | +2.5% |
| Liabilities | ||||
| Total deposits | $296.2M | $290.4M | +$5.8M | +2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $30.0M | $30.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $2.2M | -$140K | -6.3% |
| Total liabilities | $328.3M | $322.6M | +$5.6M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | $0K | 0.0% |
| Surplus | $422K | $422K | $0K | 0.0% |
| Retained earnings | $41.8M | $38.5M | +$3.3M | +8.5% |
| Accumulated other comprehensive income | -$787K | -$818K | +$31K | +3.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.5M | $40.2M | +$3.3M | +8.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $83K | $183K | -$100K | -54.6% |
| Adjusted nonperforming assets | $83K | $183K | -$100K | -54.6% |
| Tangible equity plus allowance | $45.9M | $42.7M | +$3.2M | +7.5% |
| Texas ratio (gross) | 0.18% | 0.43% | -0.25 pts | See points |
| Texas ratio (adjusted) | 0.18% | 0.43% | -0.25 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 3.89% | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 15.67% | 14.66% | +1.01 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.67% | 14.66% | +1.01 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.86% | 0.92% | -0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.53% | 15.58% | +0.95 pts | See points |
| Tier 1 leverage (approximate) | 11.96% | 11.44% | +0.51 pts | See points |
| Construction and land loans to total capital | 45.56% | 49.62% | -4.05 pts | See points |
| Commercial real estate to total capital | 178.21% | 199.34% | -21.13 pts | See points |
| Dividend payout, year to date | 12.77% | 20.65% | -7.88 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.25% | -2.53% | +0.28 pts | See points |
| Liquidity | ||||
| Core deposits | $258.4M | $252.8M | +$5.7M | +2.2% |
| Non-core funding | $67.8M | $67.7M | +$92K | +0.1% |
| Loans to core deposits | 112.17% | 112.86% | -0.69 pts | See points |
| Loans to deposits | 97.87% | 98.22% | -0.35 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 9.68% | 16.08% | -6.40 pts | See points |
| Loans pledged, share of loans | 82.56% | 84.49% | -1.92 pts | See points |
| Volatile liabilities | $67.8M | $67.7M | +$92K | +0.1% |
| Earnings | ||||
| Earnings before provision, year to date | $6.2M | $1.8M | +$4.4M | +245.8% |
| Earnings before provision, single quarter | $4.4M | $1.8M | +$2.6M | +145.8% |
| Provision for credit losses, year to date | -$189K | -$27K | -$162K | -600.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.93% | 6.70% | +0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 4.87% | 3.97% | +0.90 pts | See points |
| Total interest income to average assets | 6.00% | 5.83% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 0.24% | 0.22% | +0.03 pts | See points |
| Cost of savings and money market deposits | 0.80% | 0.71% | +0.09 pts | See points |
| Cost of time deposits | 3.47% | 3.54% | -0.06 pts | See points |
| Total interest expense to average assets | 1.43% | 1.49% | -0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $365M | $297M | $284M | 2.34% | 20.41% | 4.69% |
| 2026-06-30 | $372M | $296M | $287M | 2.81% | 24.90% | 4.63% |
| 2026-03-31 | $363M | $290M | $283M | 1.62% | 14.68% | 4.48% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $276.6M | 0.08% | 64 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.