Pioneer Bank, National Association
Albany, NY
IDRSSD: 237619
Total Assets
$2.15B
Latest filing
Total Deposits
$1.78B
Latest filing
Net Interest Margin
3.87%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
221371372ALBANY, NY
Key People
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Locations
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Main Office
Pioneer Bank, National Association
652 Albany Shaker Rd
Albany, NY 12211
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 14326
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Pioneer Bank, National Association (Main) | 652 Albany Shaker Rd | Albany, NY |
| CAIRO BRANCH | 440 Main St | Cairo, NY |
| GREENVILLE BRANCH | 11565 Highway 32 | Greenville, NY |
| LATHAM BRANCH | 531 Troy Schenectady Rd | Latham, NY |
| WATERVLIET BRANCH | 2000 2nd Ave | Watervliet, NY |
| ROTTERDAM BRANCH | 1828 Altamont Ave | Schenectady, NY |
| MALTA BRANCH | 10 Kendall Way | Malta, NY |
| WYNANTSKILL BRANCH | 78 Main Ave | Wynantskill, NY |
Showing 7 of 20
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 Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 12211 |
| State and County Number | 36001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 02 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 265 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2024 |
| Date of Deposit Insurance | 07/01/1972 |
| Primary Insurance Agency | DIF |
| Website | www.pioneerny.com |
| Data Updated | 01/30/2026 |
| CERT | 20741 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.15B |
| Total Deposits | $1.78B |
| Total Liabilities | $1.87B |
| Total Equity Capital | $278.78M |
| Net Income | $3.58M |
| Net Loans and Leases | $1.65B |
| Assets Per Employee ($Millions) | $8M |
| Bank Premises and Fixed Assets | $35.56M |
| Cash and Balances due from Depository Institutions | $130.88M |
| Deposits Held in Domestic Offices | $1.78B |
Key Performance Ratios
| Return on Assets (ROA) | 0.65% |
| Return on Equity (ROE) | 5.23% |
| Net Interest Margin | 3.87% |
| Efficiency Ratio | 68.77% |
| Tier 1 Risk-Based Capital Ratio | 16.299% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.962% |
| Earning Assets to total Assets | 93.59% |
Income and Expense
| Total Interest Income | $28.39M |
| Total Noninterest Income | $4.68M |
| Total Interest Expense | $8.56M |
| Total Noninterest Expense | $18.98M |
| Net Interest Income | $19.83M |
| Pre-tax Net Operating Income | $4.97M |
| Provision for Credit Losses | $560.00k |
| 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 | $60.67M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.80M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $20.45M |
| Total Liabilities and Capital | $2.15B |
Securities
| Securities | $261.95M |
| Available-for-sale debt securities | $220.43M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $41.97M |
| Subordinated Debt | $0 |
| Trading Account Assets | $867.00k |
| Trading Liabilities | $7.35M |
Frequently Asked Questions
What are the total assets of Pioneer Bank, National Association?
$2.15B as of the latest filing.
How much are Pioneer Bank, National Association's total deposits?
$1.78B in total deposits.
Where is Pioneer Bank, National Association located?
Albany, NY.
What is the Net Interest Margin?
3.87%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
0.65%.
How much are total loans and leases?
$1.65B (latest filing).
What is the total interest income (latest filing)?
$28.39M.