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Pioneer Bank
Stanley, VA · FDIC Certificate #6913 · Chartered 12/0
Total assets
$371.78M
Total deposits
$296.20M
Total equity
$43.52M
Net loans
$287.50M
Branches (offices)
6
Net income (YTD)
$5.09M
Rank: #2,169 of 4,213 U.S. banks by assets · #41 of 56 in Virginia. Assets changed 10.1% and deposits 7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.81% |
| Return on equity | 24.90% |
| Net interest margin (YTD) | 4.63% |
| Equity to assets | 11.70% |
| Tier 1 leverage ratio | 11.96% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 97.1% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $239.34M | 83.2% | |
| Commercial & industrial | $15.49M | 5.4% | |
| Consumer / individual | $16.28M | 5.7% | |
| Construction & development | $21.29M | 7.4% | |
| Agricultural | $594.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $293.54M | $262.81M | $1.45M | $27.35M |
| Jun 2023 | $304.24M | $250.69M | $1.39M | $29.83M |
| Jun 2024 | $356.92M | $271.27M | $1.28M | $32.66M |
| Jun 2025 | $337.61M | $276.61M | $2.04M | $36.86M |
| Jun 2026 | $371.78M | $296.20M | $5.09M | $43.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $296.20M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $296.20M.
Similar-sized banks
The First National Bank Of Grayson ($371.87M) · Upper Peninsula State Bank ($371.70M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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