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
Unfavorable gap of $5.0M · efficiency ratio beats 87% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.60% | 1.01% | 1.45% | Beats 73% | 171 / 629 | |
| Return on Equity | 13.29% | 5.38% | 9.30% | 13.28% | Beats 75% | 157 / 629 | |
| Net Interest Margin | 3.57% | 3.03% | 3.54% | 4.05% | Beats 53% | 297 / 629 | |
| Efficiency Ratio | 51.72% | 58.35% | 67.79% | 79.08% | Beats 87% | 82 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 149 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 11.24% | 13.84% | 18.77% | Beats 16% | 526 / 629 | |
| Total Risk-Based Capital Ratio | 10.56% | 11.58% | 14.43% | 19.66% | Beats 14% | 538 / 629 | |
| Equity / Assets | 10.47% | 9.09% | 10.65% | 13.80% | Beats 47% | 336 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 85.76% | 67.24% | 80.90% | 93.48% | 60th pctl | 239 / 594 | |
| Loans / Assets | 73.70% | 53.31% | 67.71% | 78.15% | 63rd pctl | 235 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |