Pioneer Bank & Trust
Belle Fourche, SD · Cert 15562 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Belle Fourche Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$1.0BAssets
$548.8MLoans
$896.5MDeposits
$105.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 24 of 258).
- Widest gap: net charge-offs / loans trails 74% of banks $1B-$10B in assets operating in a single state (rank 191 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.49%
Rank 71 of 258
Net Interest Margin
3.65%
Rank 96 of 258
Efficiency Ratio
50.14%
Rank 52 of 257
Equity / Assets
10.42%
Rank 121 of 258
Non-interest income vs. expense
Unfavorable gap of $15.2M · efficiency ratio beats 80% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.93% | 1.23% | 1.54% | Beats 72% | 71 / 258 | |
| Return on Equity | 14.29% | 9.26% | 11.84% | 14.74% | Beats 70% | 77 / 258 | |
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 63% | 96 / 258 | |
| Efficiency Ratio | 50.14% | 51.71% | 60.30% | 69.65% | Beats 80% | 52 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.46% | 0.90% | Beats 81% | 51 / 258 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 26% | 191 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 18.59% | 11.41% | 12.98% | 15.12% | Beats 90% | 26 / 258 | |
| Total Risk-Based Capital Ratio | 19.60% | 12.10% | 13.91% | 16.08% | Beats 91% | 24 / 258 | |
| Equity / Assets | 10.42% | 9.09% | 10.24% | 11.72% | Beats 53% | 121 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 61.22% | 73.24% | 86.34% | 95.95% | 8th pctl | 238 / 258 | |
| Loans / Assets | 54.36% | 63.01% | 72.27% | 78.40% | 10th pctl | 232 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |