Pioneer Bank

3000 North Main Street
Roswell, NM 88201

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.80% 2.25% →
2-Year CD 1.05% 2.30% →
5-Year CD 1.25% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Pioneer Bank is an FDIC insured institution located in Roswell, NM. It was founded in 1901 and has approximately $0.82 billion in assets. Customers can open an account at one of its 16 branches.

FDIC Insured Yes
FDIC Certificate # 27872
Date Established 1901
Assets $0.82 billion
Loans $0.37 billion
Deposits $0.55 billion
Capital $0.08 billion

For a more detailed analysis of Pioneer Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - January 18, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $99,999 Learn MoreShow Less
0.20% $1,000 $24,999 Learn MoreShow Less
0.35% $100,000 $249,999 Learn MoreShow Less
0.40% $1,000 $24,999 Learn MoreShow Less
0.60% $100,000 $249,999 Learn MoreShow Less
0.60% $1,000 $24,999 Learn MoreShow Less
0.80% $100,000 $249,999 Learn MoreShow Less
18 Mo CD
0.80% $1,000 $24,999 Learn MoreShow Less
18 Mo CD
1.00% $100,000 $249,999 Learn MoreShow Less
0.95% $1,000 $24,999 Learn MoreShow Less
1.05% $100,000 $249,999 Learn MoreShow Less
1.05% $1,000 $24,999 Learn MoreShow Less
1.20% $100,000 $249,999 Learn MoreShow Less
1.10% $1,000 $24,999 Learn MoreShow Less
1.25% $100,000 $249,999 Learn MoreShow Less

0.60% $1,000 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 - Learn MoreShow Less

Loan Rates - January 18, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Pioneer Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.517% 3.500% 0.25 $515 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Pioneer Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Pioneer Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Pioneer Bank Locations

Financial Details

Pioneer Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pioneer Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Pioneer Bank U.S. Bank Average
5.5% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, Pioneer Bank had $4,580,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $78,969,000 in equity and $4,306,000 in loans loss reserves. That gives it a Texas Ratio of 5.5%.

Return on Equity
Pioneer Bank U.S. Bank Average
10.65% 9.72%

Pioneer Bank has a Return on Equity of 10.65% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Pioneer Bank U.S. Bank Average
9.63% 12.89%

Pioneer Bank has a Capitalization of 9.63% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Pioneer Bank Balance Sheet Analysis

As of September 30, 2019, Pioneer Bank had assets of $819,721,000, loans of $369,167,000, and deposits of $552,786,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.36 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.37 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.74 billion
Total deposits $0.55 billion
      Interest-bearing deposits $0.41 billion
      Deposits held in domestic offices $0.55 billion
      % insured (estimated) 80.20%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.18 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.74 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Pioneer Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in New Mexico, Pioneer Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.43
Credit Card Loans 0.01
Consumer Auto Loans 0.74
Small Business Loans 0.00
Construction and Development Loans 13.26
Commercial Real Estate 26.69
Commercial and Industrial Loans 9.36
Farm Loans 0.00

Frequently Asked Questions About Pioneer Bank

Branches and Savings

Is Pioneer Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27872.

Why does Pioneer Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Pioneer Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Pioneer Bank a commercial bank?


Where are Pioneer Bank locations?

See branch locations nearby.

Is Pioneer Bank open on Saturdays?

Is Pioneer Bank open on Sundays?

What time does Pioneer Bank open?

What time does Pioneer Bank close?

Are Pioneer Bank ATMs Open 24/7?

Do Pioneer Bank ATMs accept cash deposits?

Can Pioneer Bank customers use other ATMs?

Do Pioneer Bank branches have notaries?

Will Pioneer Bank notarize my document?

What address for Pioneer Bank should I put for incoming ACH transfers?

Will the Pioneer Bank branch print checks?

Do Pioneer Bank checks expire?

Does Pioneer Bank require US citizenship to open account?

Can Pioneer Bank close my account?

Does Pioneer Bank Report to credit bureaus?

Does Pioneer Bank Use Equifax?

What is Pioneer Bank's ACH Routing Number?

What is Pioneer Bank's SWIFT code?


Does Pioneer Bank offer mortgages?

Compare mortgage rates here.

Does Pioneer Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pioneer Bank offer personal loans?

Compare personal loan rates here.

Does Pioneer Bank offer student loans?

Will Pioneer Bank cash a check?

Will Pioneer Bank redeem a savings bond?

Does Pioneer Bank cash savings bonds?

Will Pioneer Bank cash money orders?

Can Pioneer Bank issue a money order?

Does Pioneer Bank do currency exchange?

Background on The Bank

Who owns Pioneer Bank?

How long has Pioneer Bank been around?

Can Pioneer Bank transfer to other banks?

Does Pioneer Bank have quick pay?

Does Pioneer Bank accept rolled coins?

Will Pioneer Bank accept loose change?

Where is Pioneer Bank headquarters?

Customer Reviews for Pioneer Bank

There are currently no comments for Pioneer Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →