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Pioneer Bank

Sergeant Bluff, IA · Cert 19540 · Pioneer Development Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

78

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pioneer Bank

Sergeant Bluff, IA · Cert 19540 · Pioneer Development Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$282.8MAssets
$208.4MLoans
$243.0MDeposits
$29.6MEquity
Loan mix
92%RE $186.0M7%C&I $14.9M1%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $192.5M21%Noninterest $50.6MQ2 2025Q2 2026

NIM

4.66%Q2 ’244.63%Q2 ’255.26%Q2 ’26-1%+25%

Non-interest income vs. expense

1.97%Q2 ’241.85%Q2 ’251.98%Q2 ’26-14%+21%

Market Position · Sioux City, IA-NE-SD · 2026 SOD (annual) · 5.3% share · #7 of 28 inst. · $0.2B of $4.6B

5.6% Woodbury
6.7% Union

Executive Summary

  • Earnings: ROA of 1.37%, up 28 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.09% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.56%, up 144 bps from a year ago.
  • Funding: loans stand at 85.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+72 bps YoY

Efficiency Ratio (YTD, annualized)

51.72%-482 bps YoY

Tier 1 Leverage Ratio

10.56%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.09%1.30%1.37%+28 bps
Return on Equity12.69%12.68%12.12%13.51%13.77%+108 bps
Net Interest Margin2.86%2.95%3.05%3.39%3.57%+72 bps
Efficiency Ratio56.54%55.82%56.15%53.01%51.72%-482 bps
Non-Interest Burden1.43%1.49%1.61%1.69%1.73%+30 bps
Growth
Asset Growth (YoY)16.93%8.44%8.60%2.93%-4.38%-2,131 bps
Loan Growth (YoY)3.21%2.29%4.63%4.40%7.19%+398 bps
Deposit Growth (YoY)17.68%8.21%7.99%1.66%-8.48%-2,616 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.09%0.09%+9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.33%1.36%1.35%1.36%1.38%+5 bps
Allowance Coverage of NPLsn/an/an/a14.8x14.9xn/a
Capital
Tier 1 Leverage Ratio9.12%9.51%9.84%9.92%10.56%+144 bps
Total Risk-Based Capital9.12%9.51%9.84%9.92%10.56%+144 bps
Equity / Assets8.48%9.56%9.68%9.63%10.47%+198 bps
Liquidity & Funding
Loans / Deposits73.22%77.90%79.49%77.80%85.76%+1,254 bps
Liquid Assets / Assets12.69%7.67%7.72%9.28%4.19%-850 bps
CRE / Total Capitaln/a292%295%284%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pioneer Bank

Sergeant Bluff, IA · Cert 19540 · Peer group: banks under $1B in assets (n=581-629) · Pioneer Development Co.

State charter, non-member · FDIC · 4 branches

Q2 2026

$282.8MAssets
$208.4MLoans
$243.0MDeposits
$29.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets (rank 538 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.39%

Rank 171 of 629

Net Interest Margin

3.57%

Rank 297 of 629

Efficiency Ratio

51.72%

Rank 82 of 629

Equity / Assets

10.47%

Rank 336 of 629

Non-interest income vs. expense

$0.7M$5.7MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 87% of banks under $1B in assets
Bank 51.72%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.60%1.01%1.45%Beats 73%171 / 629
Return on Equity13.29%5.38%9.30%13.28%Beats 75%157 / 629
Net Interest Margin3.57%3.03%3.54%4.05%Beats 53%297 / 629
Efficiency Ratio51.72%58.35%67.79%79.08%Beats 87%82 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 75%149 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio10.56%11.24%13.84%18.77%Beats 16%526 / 629
Total Risk-Based Capital Ratio10.56%11.58%14.43%19.66%Beats 14%538 / 629
Equity / Assets10.47%9.09%10.65%13.80%Beats 47%336 / 629
Liquidity & Funding
Loans / Deposits85.76%67.24%80.90%93.48%60th pctl239 / 594
Loans / Assets73.70%53.31%67.71%78.15%63rd pctl235 / 629
Brokered Deposits / Depositsn/aNot reported for this institution