Pioneer Bank National Assn (FDIC #20741): Bank Stress & Real-Estate Credit Exposure
Pioneer Bank National Assn (FDIC Cert #20741): bank stress 68/100, elevated, STABLE over 7 days; parent PIONEER BCORP MHC.
Pioneer Bank National Assn (#20741) lends in 7 counties across 1 state; Pioneer Bank National Assn (#20741) reaches 206 ZIP codes: New York 7 counties, 206 ZIPs.
Pioneer Bank National Assn (#20741) largest markets: Albany County, NY (423 branches, 47 ZIPs) (#20741), Greene County, NY (84 branches, 42 ZIPs) (#20741), Columbia County, NY (38 branches, 38 ZIPs) (#20741), Rensselaer County, NY (124 branches, 31 ZIPs) (#20741), Saratoga County, NY (81 branches, 27 ZIPs) (#20741), Warren County, NY (27 branches, 27 ZIPs) (#20741).
Pioneer Bank National Assn (#20741) reports $2.34 billion in total assets; Pioneer Bank National Assn (#20741) equity $285.5 million (12.2% of Pioneer Bank National Assn (#20741) assets); Pioneer Bank National Assn (#20741) domestic deposits $2.01 billion; Pioneer Bank National Assn (#20741) net income $8.3 million; Pioneer Bank National Assn (#20741) return on assets 0.74%; Pioneer Bank National Assn (#20741) return on equity 5.89%; Pioneer Bank National Assn (#20741) net interest income $42.8 million; Pioneer Bank National Assn (#20741) call report June 30, 2026.
Pioneer Bank National Assn (#20741) noncurrent real-estate loans 0.03% of its book; Pioneer Bank National Assn (#20741) residential 0.14%; Pioneer Bank National Assn (#20741) net charge-offs on real estate 0.52%; Pioneer Bank National Assn (#20741) residential charge-offs 0.61%.
Pioneer Bank National Assn (#20741) net interest margin 4.10% against an eight-quarter Pioneer Bank National Assn (#20741) average of 3.93% (Pioneer Bank National Assn (#20741) compression -0.17 points); Pioneer Bank National Assn (#20741) real-estate loans 2.9% of equity; Pioneer Bank National Assn (#20741) non-residential real estate 61.3% of equity; Pioneer Bank National Assn (#20741) rate-exposure score 40/100, Pioneer Bank National Assn (#20741) fixed-rate trap 40/100; Pioneer Bank National Assn (#20741) risk type credit driven; Pioneer Bank National Assn (#20741) rate regime rates elevated, Pioneer Bank National Assn (#20741) snapshot October 19, 2026.
Pioneer Bank National Assn (#20741) stress score moved from 59.1 on June 22, 2026 to 67.9 on October 19, 2026; Pioneer Bank National Assn (#20741) ranged 59.1 to 67.9 over 116 snapshots.
Pioneer Bank National Assn (#20741) alerts: 7 counties; top Pioneer Bank National Assn (#20741) alert scores: Schenectady County, NY 49 (moderate); Greenville County, NY 24 (low); Hudson County, NY 24 (low); Queensbury County, NY 24 (low); Waterford County, NY 24 (low).