B
Pioneer Bank, National Association
AlbanyNY
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Pioneer Bank, National Association
Albany, NY
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Rating B
Asset Quality Index 7.90
Capitalization Index 10.00
Liquidity Index 1.80
Profitability Index 5.00
Stability Index 9.20
Company Info Pioneer Bank, National Association
Albany, NY
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FDIC Number 20741
Phone Number (518) 730-3000
Website www.pioneerny.com
Asset Quality Pioneer Bank, National Association
Albany, NY
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1-Year Asset Growth 11.37%
5-Year Asset Growth 8.48%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 4.37%
Non-Performing Loans to Loans 0.69%
Balance Sheet Pioneer Bank, National Association
Albany, NY
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Total Assets 2.24B
Total Deposits 1.93B
Capital and Reserves Pioneer Bank, National Association
Albany, NY
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Capital 269.22M
Leverage Ratio 11.45
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio 17.21
Liquidity Pioneer Bank, National Association
Albany, NY
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Hot Money Ratio 10.42%
Liquidity Ratio 13.82%
Profitability Pioneer Bank, National Association
Albany, NY
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5-Year Return on Average Assets 0.63%
Net Income 15.76M
Net Interest Spread 3.92%
Operating Profit to Average Assets 1.30%
Overhead Efficiency Ratio 66.71%
Return on Assets 1.02%
Return on Equity 8.08%