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Pioneer Bank
Sergeant Bluff, IA · FDIC Certificate #19540 · Chartered 01/0
Total assets
$282.80M
Total deposits
$243.05M
Total equity
$29.59M
Net loans
$205.56M
Branches (offices)
4
Net income (YTD)
$2.40M
Rank: #2,554 of 4,213 U.S. banks by assets · #109 of 225 in Iowa. Assets changed -4.4% and deposits -8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 16.79% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 10.47% |
| Tier 1 leverage ratio | 10.56% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 84.6% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $191.40M | 93.1% | |
| Commercial & industrial | $15.09M | 7.3% | |
| Consumer / individual | $1.00M | 0.5% | |
| Construction & development | $6.43M | 3.1% | |
| Agricultural | $1.25M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $252.04M | $224.36M | $1.20M | $18.81M |
| Jun 2023 | $240.87M | $211.67M | $1.15M | $19.51M |
| Jun 2024 | $252.93M | $225.69M | $1.41M | $21.48M |
| Jun 2025 | $295.75M | $265.58M | $1.86M | $25.09M |
| Jun 2026 | $282.80M | $243.05M | $2.40M | $29.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $191.45M | 3 |
| South Dakota | $51.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $243.05M.
Similar-sized banks
First Federal Bank Of Ohio ($282.87M) · The Farmers Bank ($282.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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