Pioneer Bank&Trust (FDIC #15562): Bank Stress & Real-Estate Credit Exposure
Pioneer Bank&Trust (FDIC Cert #15562): bank stress 59/100, moderate, STABLE over 7 days; parent BELLE FOURCHE BANCSHARES INC.
Pioneer Bank&Trust (#15562) lends in 5 counties across 1 state; Pioneer Bank&Trust (#15562) reaches 49 ZIP codes: South Dakota 5 counties, 49 ZIPs.
Pioneer Bank&Trust (#15562) largest markets: Pennington County, SD (40 branches, 20 ZIPs) (#15562), Meade County, SD (19 branches, 19 ZIPs) (#15562), Harding County, SD (12 branches, 12 ZIPs) (#15562), Lawrence County, SD (18 branches, 9 ZIPs) (#15562), Butte County, SD (8 branches, 8 ZIPs) (#15562).
Pioneer Bank&Trust (#15562) reports $1.01 billion in total assets; Pioneer Bank&Trust (#15562) equity $105.2 million (10.4% of Pioneer Bank&Trust (#15562) assets); Pioneer Bank&Trust (#15562) domestic deposits $896.5 million; Pioneer Bank&Trust (#15562) net income $7.5 million; Pioneer Bank&Trust (#15562) return on assets 1.50%; Pioneer Bank&Trust (#15562) return on equity 14.76%; Pioneer Bank&Trust (#15562) net interest income $18.3 million; Pioneer Bank&Trust (#15562) call report June 30, 2026.
Pioneer Bank&Trust (#15562) noncurrent real-estate loans: none reported; Pioneer Bank&Trust (#15562) net charge-offs on real estate 0.01%.
Pioneer Bank&Trust (#15562) net interest margin 3.86% against an eight-quarter Pioneer Bank&Trust (#15562) average of 3.44% (Pioneer Bank&Trust (#15562) compression -0.42 points); Pioneer Bank&Trust (#15562) rate-exposure score 40/100, Pioneer Bank&Trust (#15562) fixed-rate trap 40/100; Pioneer Bank&Trust (#15562) risk type credit driven; Pioneer Bank&Trust (#15562) rate regime rates elevated, Pioneer Bank&Trust (#15562) snapshot October 19, 2026.
Pioneer Bank&Trust (#15562) stress score moved from 55.7 on June 22, 2026 to 59.1 on October 19, 2026; Pioneer Bank&Trust (#15562) ranged 55.7 to 59.1 over 116 snapshots.
Pioneer Bank&Trust (#15562) alerts: 5 counties; top Pioneer Bank&Trust (#15562) alert scores: Buffalo County, SD 55 (elevated); Belle Fourche County, SD 20 (low); Rapid City County, SD 20 (low); Spearfish County, SD 20 (low); Sturgis County, SD 20 (low).