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Pioneer Bank, National Association
Albany, NY · FDIC Certificate #20741 · Chartered 01/0
Total assets
$2.34B
Total deposits
$2.01B
Total equity
$285.55M
Net loans
$1.87B
Branches (offices)
22
Net income (YTD)
$8.32M
Rank: #532 of 4,213 U.S. banks by assets · #38 of 115 in New York. Assets changed 11.6% and deposits 12.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 5.89% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 12.20% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 39.0% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 93.1% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.61B | 86.0% | |
| Commercial & industrial | $269.94M | 14.4% | |
| Consumer / individual | $14.68M | 0.8% | |
| Construction & development | $209.57M | 11.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.96B | $1.73B | $2.56M | $186.01M |
| Jun 2023 | $1.86B | $1.59B | $10.27M | $209.90M |
| Jun 2024 | $1.90B | $1.60B | $8.35M | $240.32M |
| Jun 2025 | $2.10B | $1.79B | $11.54M | $263.66M |
| Jun 2026 | $2.34B | $2.01B | $8.32M | $285.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $2.01B | 22 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.01B.
Similar-sized banks
Luana Savings Bank ($2.34B) · Farmers And Merchants Trust Company Of Chambersburg ($2.34B)
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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