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Pioneer Bank & Trust

Belle Fourche, SD
IDRSSD: 65559
Total Assets
$967.62M
Latest filing
Total Deposits
$848.81M
Latest filing
Net Interest Margin
3.88%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/30/1937
Community BankYes
Ownership TypeNot Mutual
ZIP57717
State and County Number46019
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees122
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance12/04/1937
Primary Insurance AgencyDIF
Websitewww.pioneerbankandtrust.com
Data Updated11/14/2025
CERT15562
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$967.62M
Total Deposits$848.81M
Total Liabilities$869.91M
Total Equity Capital$97.70M
Net Income$4.10M
Net Loans and Leases$535.82M
Assets Per Employee ($Millions)$8M
Bank Premises and Fixed Assets$20.41M
Cash and Balances due from Depository Institutions$25.40M
Deposits Held in Domestic Offices$848.81M

Key Performance Ratios

Return on Assets (ROA)1.7%
Return on Equity (ROE)17.36%
Net Interest Margin3.88%
Efficiency Ratio48.14%
Tier 1 Risk-Based Capital Ratio18.062%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.05%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.097%
Earning Assets to total Assets93.82%

Income and Expense

Total Interest Income$12.19M
Total Noninterest Income$1.68M
Total Interest Expense$3.44M
Total Noninterest Expense$5.02M
Net Interest Income$8.75M
Pre-tax Net Operating Income$5.29M
Provision for Credit Losses$124.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$12.80M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$8.30M
Total Liabilities and Capital$967.62M

Securities

Securities$355.62M
Available-for-sale debt securities$355.62M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Pioneer Bank & Trust?
$967.62M as of the latest filing.
How much are Pioneer Bank & Trust's total deposits?
$848.81M in total deposits.
Where is Pioneer Bank & Trust located?
Belle Fourche, SD.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
7.
When was it established?
08/30/1937.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$535.82M (latest filing).
What is the total interest income (latest filing)?
$12.19M.