Pioneer State Bank: how it compares with its peers
Against 16 MT banks with half to twice its assets, Pioneer State Bank's strongest measure in Q2 2026 is assets per employee ($6.1M vs. a $6.9M peer median). Its weakest relative measure is return on assets (-2.15% vs. 1.48%).
| Measure | Pioneer State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.15% | 1.48% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 4.43% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 193.32% | 54.56% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.9M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.75% | 68.30% | Context |
What it means for lending operations
Its efficiency ratio of 193.32% is above the 54.56% 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
- Citizens Bank & Trust Company Big Timber, MT · $155M
- Freedom Bank Columbia Falls, MT · $157M
- Bank of Bozeman Bozeman, MT · $108M
- Garfield County Bank Jordan, MT · $108M
- The Bank of Baker Baker, MT · $161M
- Ascent Bank Helena, MT · $104M
Questions about Pioneer State Bank
How big is Pioneer State Bank?
Pioneer State Bank, established in 1912, is headquartered in Deer Lodge, MT. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Pioneer State Bank's return on assets?
-2.15% annualized in Q2 2026, against a 1.48% median for 16 MT banks with half to twice its assets, ahead of 0% of them.
What is Pioneer State Bank's efficiency ratio?
193.32% in Q2 2026: it spent about 193 cents in noninterest expense for each dollar of revenue. The peer median is 54.56%, and lower is better.
Is Pioneer State Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 16.8%.
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 MT 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 Montana bank ranked.