Pioneer Bank
Stanley, VA
IDRSSD: 41629
Total Assets
$345.57M
Latest filing
Total Deposits
$282.87M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Pioneer Bank
252 E Main St
Stanley, VA 22851
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/03/1909FDIC Certificate 4646
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Pioneer Bank (Main) | 252 E Main St | Stanley, VA |
| SHENANDOAH BRANCH | 511 S 3rd St | Shenandoah, VA |
| LURAY BRANCH | 800 E Main St | Luray, VA |
| HARRISONBURG BRANCH | 890 W Market St | Harrisonburg, VA |
| VALLEY FINANCE SERVICES, DIVISION OF BRANCH | 890 W Market St | Harrisonburg, VA |
| CHARLOTTESVILLE BRANCH | 630 Peter Jefferson Pkwy | Charlottesville, VA |
| RUCKERSVILLE BRANCH | 58 Stoneridge Dr N | Ruckersville, VA |
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
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/03/1909 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 22851 |
| State and County Number | 51139 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pioneerbks.com |
| Data Updated | 11/14/2025 |
| CERT | 6913 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $345.57M |
| Total Deposits | $282.87M |
| Total Liabilities | $307.53M |
| Total Equity Capital | $38.04M |
| Net Income | $1.07M |
| Net Loans and Leases | $275.52M |
| Assets Per Employee ($Millions) | $6.17M |
| Bank Premises and Fixed Assets | $3.35M |
| Cash and Balances due from Depository Institutions | $15.37M |
| Deposits Held in Domestic Offices | $282.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 11.41% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 61.67% |
| Tier 1 Risk-Based Capital Ratio | 13.843% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.007% |
| Earning Assets to total Assets | 96.25% |
Income and Expense
| Total Interest Income | $4.82M |
| Total Noninterest Income | $422.00k |
| Total Interest Expense | $1.34M |
| Total Noninterest Expense | $2.40M |
| Net Interest Income | $3.47M |
| Pre-tax Net Operating Income | $1.34M |
| Provision for Credit Losses | $150.00k |
| 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 | $22.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $101.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.16M |
| Total Liabilities and Capital | $345.57M |
Securities
| Securities | $45.35M |
| Available-for-sale debt securities | $45.35M |
| 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?
$345.57M as of the latest filing.
How much are Pioneer Bank's total deposits?
$282.87M in total deposits.
Where is Pioneer Bank located?
Stanley, VA.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
7.
When was it established?
12/03/1909.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$275.52M (latest filing).
What is the total interest income (latest filing)?
$4.82M.