Pioneer Bank & Trust
Belle Fourche, SD
IDRSSD: 65559
Total Assets
$1.01B
Latest filing
Total Deposits
$906.00M
Latest filing
Net Interest Margin
3.88%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Pioneer Bank & Trust
700 State St
Belle Fourche, SD 57717
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/30/1937FDIC Certificate 9854
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pioneer Bank & Trust (Main) | 700 State St | Belle Fourche, SD |
| SPEARFISH BRANCH | 140 E Jackson Blvd | Spearfish, SD |
| RAPID CITY WEST BRANCH | 2001 W Omaha St | Rapid City, SD |
| RAPID CITY SOUTH BRANCH | 2018 Mount Rushmore Rd | Rapid City, SD |
| ADMINISTRATION CENTER | 125 E Colorado Blvd | Spearfish, SD |
| STURGIS BRANCH | 2611 Lazelle St | Sturgis, SD |
| BUFFALO BRANCH | 102 Main St | Buffalo, SD |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Reliabank Dakota
Estelline, South Dakota
→
Assets: $746.67MΔ -22.8%
First Fidelity Bank
Burke, South Dakota
→
Assets: $661.83MΔ -31.6%
Plains Commerce Bank
Sioux Falls, South Dakota
→
Assets: $1.30BΔ +34.6%
1st Financial Bank USA
Dakota Dunes, South Dakota
→
Assets: $1.33BΔ +37.4%
Security Savings Bank
Canton, South Dakota
→
Assets: $513.15MΔ -47.0%
Black Hills Community Bank, N.A.
Rapid City, South Dakota
→
Assets: $492.18MΔ -49.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/30/1937 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 57717 |
| State and County Number | 46019 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 121 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 12/04/1937 |
| Primary Insurance Agency | DIF |
| Website | www.pioneerbankandtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 15562 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.01B |
| Total Deposits | $906.00M |
| Total Liabilities | $916.35M |
| Total Equity Capital | $98.44M |
| Net Income | $2.89M |
| Net Loans and Leases | $531.12M |
| Assets Per Employee ($Millions) | $8.12M |
| Bank Premises and Fixed Assets | $20.47M |
| Cash and Balances due from Depository Institutions | $84.28M |
| Deposits Held in Domestic Offices | $906.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 11.8% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 68.32% |
| Tier 1 Risk-Based Capital Ratio | 17.022% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.701% |
| Earning Assets to total Assets | 94.53% |
Income and Expense
| Total Interest Income | $12.22M |
| Total Noninterest Income | $2.28M |
| Total Interest Expense | $3.18M |
| Total Noninterest Expense | $7.74M |
| Net Interest Income | $9.04M |
| Pre-tax Net Operating Income | $3.56M |
| Provision for Credit Losses | $24.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.36M |
| Total Liabilities and Capital | $1.01B |
Securities
| Securities | $351.69M |
| Available-for-sale debt securities | $351.69M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$1.01B as of the latest filing.
How much are Pioneer Bank & Trust's total deposits?
$906.00M 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)?
1.17%.
How much are total loans and leases?
$531.12M (latest filing).
What is the total interest income (latest filing)?
$12.22M.