B
Pioneer Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Pioneer Bank & Trust
Spearfish, SD
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 6.80
Stability Index 6.40
Company Info Pioneer Bank & Trust
Spearfish, SD
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FDIC Number 15562
Phone Number (605) 717-2265
Website www.pioneerbankandtrust.com
Asset Quality Pioneer Bank & Trust
Spearfish, SD
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1-Year Asset Growth -3.42%
5-Year Asset Growth 7.43%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.66%
Non-Performing Loans to Loans 0.00%
Balance Sheet Pioneer Bank & Trust
Spearfish, SD
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Total Assets 967.62M
Total Deposits 848.81M
Capital and Reserves Pioneer Bank & Trust
Spearfish, SD
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Capital 97.70M
Leverage Ratio 11.36
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 19.01
Liquidity Pioneer Bank & Trust
Spearfish, SD
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Hot Money Ratio 11.34%
Liquidity Ratio 25.90%
Profitability Pioneer Bank & Trust
Spearfish, SD
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5-Year Return on Average Assets 1.08%
Net Income 10.48M
Net Interest Spread 3.58%
Operating Profit to Average Assets 1.86%
Overhead Efficiency Ratio 50.92%
Return on Assets 1.42%
Return on Equity 15.76%