Pioneer Bank: how it compares with its peers
Against 117 IA banks with half to twice its assets, Pioneer Bank's strongest measure in Q2 2026 is return on assets (1.67% vs. a 1.40% peer median). Its weakest relative measure is assets per employee ($8.6M vs. $8.7M).
| Measure | Pioneer Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.40% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.57% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.72% | 54.69% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $8.7M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.58% | 80.43% | Context |
What it means for lending operations
Its efficiency ratio of 51.72% is better than the 54.69% 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.
Questions about Pioneer Bank
How big is Pioneer Bank?
Pioneer Bank, established in 1907, is headquartered in Sergeant Bluff, IA. It reported $283M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Pioneer Bank's return on assets?
1.67% annualized in Q2 2026, against a 1.40% median for 117 IA banks with half to twice its assets, ahead of 69% of them.
What is Pioneer Bank's efficiency ratio?
51.72% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 54.69%, and lower is better.
Is Pioneer Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits shrank 8.5%.
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 IA 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 Iowa bank ranked.