Pioneer Bank (FDIC #6913): Bank Stress & Real-Estate Credit Exposure

Pioneer Bank (FDIC Cert #6913): bank stress 33/100, contained, STABLE over 7 days; parent PIONEER BANKSHARES INC.

Pioneer Bank (#6913) lends in 4 counties across 1 state; Pioneer Bank (#6913) reaches 34 ZIP codes: Virginia 4 counties, 34 ZIPs.

Pioneer Bank (#6913) largest markets: Albemarle County, VA (24 branches, 24 ZIPs) (#6913), Page County, VA (18 branches, 6 ZIPs) (#6913), Greene County, VA (5 branches, 5 ZIPs) (#6913), Harrisonburg County, VA (3 branches, 3 ZIPs) (#6913).

Pioneer Bank (#6913) reports $371.8 million in total assets; Pioneer Bank (#6913) equity $43.5 million (11.7% of Pioneer Bank (#6913) assets); Pioneer Bank (#6913) domestic deposits $296.2 million; Pioneer Bank (#6913) net income $5.1 million; Pioneer Bank (#6913) return on assets 2.81%; Pioneer Bank (#6913) return on equity 24.90%; Pioneer Bank (#6913) net interest income $8.1 million; Pioneer Bank (#6913) call report June 30, 2026.

Pioneer Bank (#6913) noncurrent real-estate loans: none reported; Pioneer Bank (#6913) net charge-offs on real estate 0.03%.

Pioneer Bank (#6913) net interest margin 4.63% against an eight-quarter Pioneer Bank (#6913) average of 4.02% (Pioneer Bank (#6913) compression -0.61 points); Pioneer Bank (#6913) rate-exposure score 40/100, Pioneer Bank (#6913) fixed-rate trap 40/100; Pioneer Bank (#6913) risk type rate trapped; Pioneer Bank (#6913) rate regime rates elevated, Pioneer Bank (#6913) snapshot October 20, 2026.

Pioneer Bank (#6913) stress score moved from 53 on June 22, 2026 to 33.3 on October 20, 2026; Pioneer Bank (#6913) ranged 33.3 to 53 over 117 snapshots.

Pioneer Bank (#6913) alerts: 4 counties; top Pioneer Bank (#6913) alert scores: Charlottesville County, VA 35 (low); Harrisonburg County, VA 30 (low); Ruckersville County, VA 15 (low); Stanley County, VA 15 (low).