Pioneer Bank

301 Main Street
Mapleton, MN 56065

Notable Rates APY Vs.Others
Savings 0.25% 2.30% →
1-Year CD 0.50% 2.25% →
2-Year CD 1.00% 2.50% →
5-Year CD 2.02% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Pioneer Bank is an FDIC insured institution located in Mapleton, MN. It was founded in 1903 and has approximately $0.47 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 5193
Date Established 1903
Assets $0.47 billion
Loans $0.38 billion
Deposits $0.41 billion
Capital $0.05 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 - December 11, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
3 Mo CD
0.10% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
18 Mo CD
0.75% $500 - Learn MoreShow Less
Special: 20 Mo CD
1.75% $1 $99,999 Learn MoreShow Less
Special: 20 Mo CD
1.90% $100,000 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less
30 Mo CD
1.00% $500 - Learn MoreShow Less
Special: 32 Mo CD
1.80% $1 $99,999 Learn MoreShow Less
Special: 32 Mo CD
1.95% $100,000 - Learn MoreShow Less
36 Mo CD
1.26% $500 - Learn MoreShow Less
48 Mo CD
1.51% $500 - Learn MoreShow Less
60 Mo CD
2.02% $500 - Learn MoreShow Less

Fixed IRA
0.50% $500 - Learn MoreShow Less
Special: 20 Mo FIRA
1.75% $1 $99,999 Learn MoreShow Less
Special: 20 Mo FIRA
1.90% $100,000 - Learn MoreShow Less
Special: 32 Mo FIRA
1.80% $1 $99,999 Learn MoreShow Less
Special: 32 Mo FIRA
1.95% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
Kasasa Cash 2.51% $0 $0.00 Learn MoreShow Less

Loan Rates - December 11, 2019

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.633% 3.625% 0.13 $248 $1,141 Learn More
Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972
3.649% 3.625% -0.13 $776 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Pioneer Bank
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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.

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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
9.02% 6.77%

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 June 30, 2019, Pioneer Bank had $4,336,000 in non-current loans and $503,000 in owned real estate. To cover these potential losses it had $49,000,000 in equity and $4,631,000 in loans loss reserves. That gives it a Texas Ratio of 9.02%.

Return on Equity
Pioneer Bank U.S. Bank Average
12.83% 9.50%

Pioneer Bank has a Return on Equity of 12.83% versus the BestCashCow average of 9.50%. 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
10.37% 12.76%

Pioneer Bank has a Capitalization of 10.37% versus the BestCashCow average of 12.76. 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 June 30, 2019, Pioneer Bank had assets of $472,342,000, loans of $378,442,000, and deposits of $414,266,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.38 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 $0.01 billion
All other assets $0.02 billion
     Total Assets $0.42 billion
Total deposits $0.41 billion
      Interest-bearing deposits $0.36 billion
      Deposits held in domestic offices $0.41 billion
      % insured (estimated) 87.58%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.42 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

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

Bank Loan Profile?

The top three loan types in Pioneer Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Pioneer Bank’s loan portfolio does not show any specific loan specialty.

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 16.57
Credit Card Loans 0.00
Consumer Auto Loans 0.60
Small Business Loans 5.13
Construction and Development Loans 8.57
Commercial Real Estate 7.83
Commercial and Industrial Loans 18.39
Farm Loans 24.66

Frequently Asked Questions About Pioneer Bank

Branches and Savings

Is Pioneer Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5193.

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?

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