Total Assets
$286M
Total balance-sheet footings
FDIC Cert #19540 · Sergeant Bluff, Iowa · Est. 1907
Pioneer Bank - FDIC Bank Health Profile
A community-scale look at Pioneer Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $286M
- Total assets
- B
- Health grade · Good
- 1.32%
- Return on assets
- 9.8%
- Tier 1 capital
Data updated July 2026
The verdict
Pioneer Bank earns a PlainBankData health grade of B (70/100), with 9.84% Tier 1 capital, profitable at 1.32% ROA, efficient (56% cost ratio).
- #2,563
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 9.84%
- Tier 1 ratio - below the 10% well-capitalized line
- 65th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Pioneer Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Pioneer Bank's composite health score
Tier 1 Capital Ratio (9.84%) 18/40
Return on Assets (ROA) (1.32%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (56.15%) 12/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$253M
Customer-funded liabilities
Net Loans
$198M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Pioneer Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pioneer Bank's score of 70/100 falls in the highlighted band.
Pioneer Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Pioneer Bank's $286M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.84% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.84%
Texas Ratio
0.00%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.32%
Return on Equity (ROE)
14.67%
Efficiency Ratio
56.15%
What the numbers say about Pioneer Bank
Pioneer Bank is an FDIC-insured institution (Certificate #19540) headquartered in Sergeant Bluff, Iowa, established in 1907. It holds $286M in total assets - 2,563rd of 4,313 FDIC-insured banks, $253M in customer deposits, and $198M in net loans. Looking at capital strength, Tier 1 stands at 9.84%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, Pioneer Bank ranks 109th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$687K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Pioneer Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pioneer Bank (FDIC Cert #19540) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Pioneer Bank's health grade?▼
Pioneer Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Pioneer Bank?▼
Pioneer Bank holds $286M in total assets and $253M in deposits, ranking 2,563rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Sergeant Bluff, Iowa.
Is my money safe at Pioneer Bank?▼
Yes, deposits at Pioneer Bank (Certificate #19540) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Pioneer Bank's Tier 1 Capital Ratio?▼
Pioneer Bank has a Tier 1 Capital Ratio of 9.84%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Pioneer Bank?▼
Pioneer Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Pioneer Bank?▼
Pioneer Bank has an Efficiency Ratio of 56.15%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Pioneer Bank's profile as a depositor or analyst.
- Pioneer Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Pioneer Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.