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Pioneer State Bank
Deer Lodge, MT · FDIC Certificate #29517 · Chartered 01/0
Total assets
$133.55M
Total deposits
$100.51M
Total equity
$22.52M
Net loans
$92.22M
Branches (offices)
2
Net income (YTD)
-$1.35M
Rank: #3,441 of 4,213 U.S. banks by assets · #27 of 35 in Montana. Assets changed 18.0% and deposits 16.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.15% |
| Return on equity | -13.65% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 16.87% |
| Tier 1 leverage ratio | 16.80% |
| Uninsured deposits (share of deposits) | 14.8% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 91.8% |
| Real estate loans (share of loans) | 97.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $89.63M | 97.2% | |
| Commercial & industrial | $2.67M | 2.9% | |
| Consumer / individual | $985.00K | 1.1% | |
| Construction & development | $2.78M | 3.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $114.30M | $96.61M | $172.00K | $17.14M |
| Jun 2023 | $103.29M | $85.03M | $121.00K | $17.64M |
| Jun 2024 | $113.32M | $86.36M | $286.00K | $18.18M |
| Jun 2025 | $113.16M | $86.08M | -$138.00K | $18.39M |
| Jun 2026 | $133.55M | $100.51M | -$1.35M | $22.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $100.51M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $100.51M.
Similar-sized banks
County Bank ($133.65M) · Community Bank Of Pleasant Hill ($133.42M)
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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