Pioneer Bank (FDIC #5193): Bank Stress & Real-Estate Credit Exposure

Pioneer Bank (FDIC Cert #5193): bank stress 58/100, moderate, STABLE over 7 days; parent CITIZENS BANK GROUP INC.

Pioneer Bank (#5193) lends in 3 counties across 1 state; Pioneer Bank (#5193) reaches 35 ZIP codes: Minnesota 3 counties, 35 ZIPs.

Pioneer Bank (#5193) largest markets: Blue Earth County, MN (40 branches, 20 ZIPs) (#5193), Nicollet County, MN (20 branches, 10 ZIPs) (#5193), Watonwan County, MN (20 branches, 10 ZIPs) (#5193).

Pioneer Bank (#5193) reports $883.8 million in total assets; Pioneer Bank (#5193) equity $89.9 million (10.2% of Pioneer Bank (#5193) assets); Pioneer Bank (#5193) domestic deposits $763.0 million; Pioneer Bank (#5193) net income $7.0 million; Pioneer Bank (#5193) return on assets 1.57%; Pioneer Bank (#5193) return on equity 15.82%; Pioneer Bank (#5193) net interest income $17.2 million; Pioneer Bank (#5193) call report June 30, 2026.

Pioneer Bank (#5193) noncurrent real-estate loans 0.03% of its book; Pioneer Bank (#5193) net charge-offs on real estate 0.45%.

Pioneer Bank (#5193) net interest margin 4.18% against an eight-quarter Pioneer Bank (#5193) average of 3.89% (Pioneer Bank (#5193) compression -0.29 points); Pioneer Bank (#5193) real-estate loans 3.5% of equity; Pioneer Bank (#5193) rate-exposure score 40/100, Pioneer Bank (#5193) fixed-rate trap 40/100; Pioneer Bank (#5193) risk type credit driven; Pioneer Bank (#5193) rate regime rates elevated, Pioneer Bank (#5193) snapshot October 19, 2026.

Pioneer Bank (#5193) stress score moved from 56.4 on June 22, 2026 to 58.5 on October 19, 2026; Pioneer Bank (#5193) ranged 56.4 to 58.5 over 116 snapshots.

Pioneer Bank (#5193) alerts: 3 counties; top Pioneer Bank (#5193) alert scores: Mapleton County, MN 22 (low); Saint James County, MN 22 (low); Saint Peter County, MN 22 (low).