Pioneer Bank & Trust: how it compares with its peers
Against 9 SD banks with half to twice its assets, Pioneer Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (50.14% vs. a 71.60% peer median). Its weakest relative measure is net interest margin (3.86% vs. 3.74%).
| Measure | Pioneer Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.50% | 1.34% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.74% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.14% | 71.60% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $6.6M | Top third Ahead of 78% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.52% | 85.01% | Context |
What it means for lending operations
Its efficiency ratio of 50.14% is better than the 71.60% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Reliabank Dakota Estelline, SD · $788M
- Plains Commerce Bank Sioux Falls, SD · $1.30B
- First Fidelity Bank Burke, SD · $717M
- 1st Financial Bank USA Dakota Dunes, SD · $1.40B
- Security Savings Bank Canton, SD · $557M
- CorTrust Bank National Association Mitchell, SD · $1.56B
Questions about Pioneer Bank & Trust
How big is Pioneer Bank & Trust?
Pioneer Bank & Trust, established in 1937, is headquartered in Belle Fourche, SD. It reported $1.01B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Pioneer Bank & Trust's return on assets?
1.50% annualized in Q2 2026, against a 1.34% median for 9 SD banks with half to twice its assets, ahead of 67% of them.
What is Pioneer Bank & Trust's efficiency ratio?
50.14% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 71.60%, and lower is better.
Is Pioneer Bank & Trust growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are SD banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every South Dakota bank ranked.