Pioneer Community Bank, Inc.: how it compares with its peers
Against 19 WV banks with half to twice its assets, Pioneer Community Bank, Inc.'s strongest measure in Q2 2026 is net interest margin (4.12% vs. a 4.01% peer median). Its weakest relative measure is efficiency ratio (74.31% vs. 67.97%).
| Measure | Pioneer Community Bank, Inc. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 1.03% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.01% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.31% | 67.97% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $5.3M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.06% | 80.41% | Context |
What it means for lending operations
Its efficiency ratio of 74.31% is above the 67.97% 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
- Mountain Valley Bank, N.A. Elkins, WV · $202M
- Calhoun County Bank, Inc. Grantsville, WV · $212M
- The Harrison County Bank Lost Creek, WV · $165M
- The Fayette County National Bank of Fayetteville Fayetteville, WV · $158M
- Guaranty Bank Inc. Williamson, WV · $152M
- Williamstown Bank, Inc. Williamstown, WV · $237M
Questions about Pioneer Community Bank, Inc.
How big is Pioneer Community Bank, Inc.?
Pioneer Community Bank, Inc., established in 1931, is headquartered in Iaeger, WV. It reported $191M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Pioneer Community Bank, Inc.'s return on assets?
0.78% annualized in Q2 2026, against a 1.03% median for 19 WV banks with half to twice its assets, ahead of 32% of them.
What is Pioneer Community Bank, Inc.'s efficiency ratio?
74.31% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 67.97%, and lower is better.
Is Pioneer Community Bank, Inc. growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 2.0%.
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 WV 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 West Virginia bank ranked.