Pioneer Bank N.A.
Albany, NY·RSSD 237619·FDIC 20741·bank:237619·Risk-based ratios where reported
- #44 of 127Total assets in New York
- 21offices
- 298employees
- #6 of 1,942C&I loan growth in the U.S.
- Top 7%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Pioneer Bank N.A.
11 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.81%peers 1.94%-13 bps
Pioneer Bank N.A.'s cost of deposits has not eased the way it has at similar banks, while noninterest-bearing deposits lost share and more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.81% | 1.94% | -13 bps |
| Share of deposits that pay no interest | ||
| 22.7% | 19.5% | +3.2 pp |
| Time deposits' share of deposits | ||
| 23.5% | 26.5% | -3.1 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal+142.2%peers +4.3%+137.9 pp
Pioneer Bank N.A.'s C&I loans grew faster than at similar banks, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Commercial and industrial loans, 12-month growth | ||
| +142.2% | +4.3% | +137.9 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency 2nd quarter80.3%peers 60.3%+20.0 pp
Pioneer Bank N.A.'s efficiency ratio rose 18.9 percentage points over the past year to 80.3%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 80.3% | 60.3% | +20.0 pp |
| 12-month change | ||
| +18.9 pp | -2.1 pp | +21.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital9.97%peers 10.54%-0.6 pp
Pioneer Bank N.A.'s leverage ratio fell 2.0 percentage points over the past year to 9.97%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 9.97% | 10.54% | -0.6 pp |
| 12-month change | ||
| -2.0 pp | +0.3 pp | -2.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesWorth a look: Earnings0.51%peers 1.27%-76 bps
Pioneer Bank N.A.'s annualized return on assets fell 67 bps over the past year to 0.51%. Among 628 similar banks, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.51% | 1.27% | -76 bps |
| 12-month change | ||
| -67 bps | +15 bps | -82 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile. How signals work
6 more observations
- Reliance on CDs rising while the peer median fallsFunding
- C&I lending growing faster than peersLending
- Deposits migrating from operating accounts to CDsFunding
- Deposit costs rising while the peer median fallsFunding
- Lending absorbing more of the deposit base as cash fallsLiquidity
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- Pioneer Bank N.A. is a bank headquartered in Albany, New York. It reported $2.3 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $2.0 billion, up 12.0% from a year earlier, and loans totaled $1.9 billion, up 21.2%.
- Its net interest margin was 4.22% and its annualized return on assets was 0.51% for the quarter.
- Its cost of all deposits was 1.81%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Pioneer Bank N.A.'s own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Pioneer Bank N.A. · Bank
- Federal Reserve RSSD
- 237619
- FDIC certificate
- 20741
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Pioneer Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $2.89M | — | |
| $31.6M | — | |
| $9.25M | — | |
| $22.36M | — | |
| $4.95M | — | |
| $21.94M | — | |
| $951K | — | |
| $1.35M | — | |
| 0.51% | 0.51%ROAQ · Quarter | |
| 4.22% | 4.21%NIMYQ · Quarter | |
| 80.34% | 79.83%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.