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Pioneer Bank & Trust
Belle Fourche, SD · FDIC Certificate #15562 · Chartered 08/3
Total assets
$1.01B
Total deposits
$896.46M
Total equity
$105.19M
Net loans
$542.51M
Branches (offices)
7
Net income (YTD)
$7.51M
Rank: #1,037 of 4,213 U.S. banks by assets · #18 of 56 in South Dakota. Assets changed 5.3% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.50% |
| Return on equity | 14.76% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 10.42% |
| Tier 1 leverage ratio | 11.61% |
| Uninsured deposits (share of deposits) | 37.0% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 60.5% |
| Real estate loans (share of loans) | 67.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $368.58M | 67.9% | |
| Commercial & industrial | $110.12M | 20.3% | |
| Consumer / individual | $10.02M | 1.8% | |
| Construction & development | $72.05M | 13.3% | |
| Agricultural | $52.54M | 9.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01B | $952.73M | $4.56M | $55.22M |
| Jun 2023 | $982.22M | $814.08M | $4.03M | $61.36M |
| Jun 2024 | $999.34M | $821.40M | $5.27M | $73.69M |
| Jun 2025 | $958.73M | $859.64M | $6.38M | $91.15M |
| Jun 2026 | $1.01B | $896.46M | $7.51M | $105.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $896.46M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $896.46M.
Similar-sized banks
Story Bank Dba Story Financial Partners ($1.01B) · Cornerstone National Bank & Trust Company ($1.01B)
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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