FDIC Cert #19827 · Salem, Oregon · Est. 1924

Pioneer Trust Bank, National Association - FDIC Bank Health Profile

A community-scale look at Pioneer Trust Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$735M
Total assets
A
Health grade · Excellent
2.32%
Return on assets
20.1%
Tier 1 capital

Data updated July 2026

The verdict

Pioneer Trust Bank, National Association earns a PlainBankData health grade of A (100/100), with well-capitalized at 20.11% Tier 1, profitable at 2.32% ROA, efficient (31% cost ratio).

#1,337
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
20.11%
Tier 1 ratio - above the 10% well-capitalized line
95th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 19827 · OR A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #53/4307
  • PHOTO-FINISH Garden Plain State B… · KS
  • TIER1-WELL 20.1% Tier 1
  • TEXAS-CLEAN 4.2% Texas
  • ROA-STRONG 2.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Garden Plain State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Pioneer Trust Bank

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Citizens National Bank · TN …100/100Garden Plain State B… · KS ·…100/100Independence Bank · MT · near100/100International Bank o… · TX ·…100/100Morgan Stanley Bank,… · UT ·…100/100Pioneer Trust Bank,… · OR · …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Pioneer Trust Bank · July 2026

What Pioneer Trust Bank's Call Report plate shows

Pioneer Trust Bank, National Association (FDIC Cert #19827) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #53 of 4,307. Tier 1 capital prints at 20.11%, clearing the 10% well-capitalized line. The Texas Ratio is 4.22%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.32%. Balance-sheet scale is $735M, 1,337th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Garden Plain State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Pioneer Trust Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Pioneer Trust Bank, National Association's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Pioneer Trust Bank, National Association remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

How Pioneer Trust Bank, National Association's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
Pioneer Trust Bank, National Association's composite health score
Tier 1 Capital Ratio (20.11%) 40/40
Return on Assets (ROA) (2.32%) 25/25
Texas Ratio (4.22%) 20/20
Efficiency Ratio (31.39%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$735M

Total balance-sheet footings

Total Deposits

$628M

Customer-funded liabilities

Net Loans

$483M

Outstanding loan book

Net Income

$17M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.71% 20.11% 21.51%
Basel III capital ratios - Pioneer Trust Bank, National Association

Where Pioneer Trust Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Pioneer Trust Bank, National Association's score of 100/100 falls in the highlighted band.

Pioneer Trust Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Pioneer Trust Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Pioneer Trust Bank, National Association'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 Trust Bank, National Association's $735M falls in the highlighted band.

Safety ratios for Pioneer Trust Bank

Tier 1 capital ratio
Well-capitalized 10%

20.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.11%
Texas Ratio
4.22%
Equity Capital
$106M

What these ratios mean →

Earnings posture at Pioneer Trust Bank

Return on Assets (ROA)
95th percentile nationally
2.32%
Return on Equity (ROE)
16.23%
Efficiency Ratio
31.39%

What these mean →

Income & expense at Pioneer Trust Bank

$41M
Interest Income
$10M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Pioneer Trust Bank, National Association reports a Texas Ratio of 4.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Pioneer Trust Bank, National Association on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($735M here), outside Oregon so the neighborhood is not state containment.

Kleberg Bank $735M · TX Oconee State Bank $734M · GA Bank of San Francisco $733M · CA Commerce Bank $737M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Pioneer Trust Bank, National Association (FDIC Cert #19827) - 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.

Pioneer Trust Bank, National Association Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Columbia BankRoseburg $66.8B A 1.00%
Summit BankEugene $1.3B A 1.17%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%
Evergreen Federal BankGrants Pass $617M B 0.59%