2026 Overview
General Bank Information
Pioneer Bank & Trust is an FDIC insured institution located in Belle Fourche, SD. It was founded in 1937 and has approximately $1.01 billion in assets. Customers can open an account at one of its 7 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 15562 |
| Date Established | 1937 |
| Assets | $ 1,009.49 million |
| Loans | $ 545.48 million |
| Deposits | $ 874.10 million |
| Capital | $ 101.87 million |
For a more detailed analysis of Pioneer Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
Your Current Location: Washington, WA
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Loan Rates - September 30, 2026
Your Current Location: Washington, WA
There are currently no loan rates available for Pioneer Bank & Trust
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Featured - Washington 30 Year Fixed Mortgage Rates 2026
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Branches
Pioneer Bank & Trust 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:
Mount Vernon,Washington
Pioneer Bank & Trust Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1014.18 | A | View Lobby Hours | |
| 1015.74 | B | View Lobby Hours | |
| 1016.95 | C | View Lobby Hours | |
| 1017.14 | D | View Lobby Hours | |
| 1035.57 | E | View Lobby Hours | |
| 1055.70 | F | View Lobby Hours | |
| 1056.95 | G | View Lobby Hours |
Climate Policy and Initiatives
Pioneer Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Pioneer Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Pioneer Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Pioneer Bank & Trust | U.S. Bank Average |
|---|---|
| 0.06% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2025, Pioneer Bank & Trust had $63,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $101,873,000 in equity and $5,767,000 in loans loss reserves. That gives it a Texas Ratio of 0.06%.
Return on Equity
| Pioneer Bank & Trust | U.S. Bank Average |
|---|---|
| 14.76% | 10.69% |
Pioneer Bank & Trust has a Return on Equity of 14.76% versus the BestCashCow average of 10.69%. 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.
Capitalization
| Pioneer Bank & Trust | U.S. Bank Average |
|---|---|
| 10.09% | 11.75% |
Pioneer Bank & Trust has a Capitalization of 10.09% versus the BestCashCow average of 11.75. 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 & Trust Balance Sheet Analysis
As of March 31, 2026, Pioneer Bank & Trust had assets of $1,009,488,000, loans of $545,480,000, and deposits of $874,100,000. 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
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 61.64 million |
| Interest-bearing balances | $ 52.67 million |
| Total securities | $ 330.82 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 545.48 million |
| Loan loss allowance | $ 5.77 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 29.16 million |
| Total Assets | $ 884.01 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 874.10 million |
| Interest-bearing deposits | $ 665.79 million |
| Deposits held in domestic offices | $ 874.10 million |
| % insured (estimated) | 70.43% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 5.42 million |
| Total Liabilities | $ 884.01 million |
| Shareholders’ Equity | $ 125.48 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 12.15 million |
| Total Interest Expense | $ 3.00 million |
| Net interest income | $ 9.15 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 1.58 million |
| Total non interest expense | $ 5.50 million |
| Pre-tax Net Operating Income | $ 5.90 million |
Bank Loan Profile?
The top three loan types in Pioneer Bank & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.
Compared to other banks in South Dakota, Pioneer Bank & Trust has a significantly higher percent of Small Business Loans, Commercial Real Estate 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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 7.85 | ✓ | ||
| Multifamily Mortgages |
0.86 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.55 | ✓ | ||
| Small Business Loans | 8.26 | ✓ | ||
| Construction and Development Loans | 5.19 | ✓ | ||
| Commercial Real Estate | 23.12 | ✓ | ||
| Commercial and Industrial Loans | 14.07 | ✓ | ||
| Farm Loans | 6.55 | ✓ | ||
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