Pioneer Bank, National Association: how it compares with its peers
Against 30 NY banks with half to twice its assets, Pioneer Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.10% vs. a 3.24% peer median). Its weakest relative measure is efficiency ratio (76.35% vs. 59.49%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 1.07% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 3.24% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.35% | 59.49% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $9.9M | Bottom third Ahead of 22% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.14% | 82.99% | Context |
What it means for lending operations
Its efficiency ratio of 76.35% is above the 59.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hanover Community Bank Garden City Park, NY · $2.33B
- Shinhan Bank America New York, NY · $2.23B
- Maspeth Federal Savings and Loan Association Maspeth, NY · $2.21B
- Esquire Bank, National Association Jericho, NY · $2.49B
- Mizuho Bank (USA) New York, NY · $2.14B
Questions about Pioneer Bank, National Association
How big is Pioneer Bank, National Association?
Pioneer Bank, National Association, established in 1889, is headquartered in Albany, NY. It reported $2.34B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Pioneer Bank, National Association's return on assets?
0.74% annualized in Q2 2026, against a 1.07% median for 30 NY banks with half to twice its assets, ahead of 30% of them.
What is Pioneer Bank, National Association's efficiency ratio?
76.35% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 59.49%, and lower is better.
Is Pioneer Bank, National Association growing its loans?
Net loans grew 21.3% over the year to Q2 2026, while deposits grew 12.0%.
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 NY 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 New York bank ranked.