Pioneer Commercial Bank
Albany, NY
IDRSSD: 3303953
Total Assets
$624.57M
Latest filing
Total Deposits
$569.17M
Latest filing
Net Interest Margin
1.36%
Profitability
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
Pioneer Bank, National Association
Albany, New York
→
Assets: $2.24BΔ +259.2%
Empire State Bank
Staten Island, New York
→
Assets: $621.22MΔ -0.5%
NewBank
Flushing, New York
→
Assets: $636.38MΔ +1.9%
Geddes Federal Savings and Loan Association
Syracuse, New York
→
Assets: $642.68MΔ +2.9%
Tioga State Bank National Association
Spencer, New York
→
Assets: $589.22MΔ -5.7%
Modern Bank, National Association
New York, New York
→
Assets: $659.97MΔ +5.7%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/08/2004 |
| Community Bank | No |
| 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 | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Albany-Schenectady-Troy, NY |
Operational Info
| Number of Employees | 2 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | N/A |
| Last Structure Change Effective Date | 10/01/2024 |
| Date of Deposit Insurance | 11/08/2004 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 57849 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $624.57M |
| Total Deposits | $569.17M |
| Total Liabilities | $570.65M |
| Total Equity Capital | $53.92M |
| Net Income | $1.20M |
| Net Loans and Leases | $0 |
| Assets Per Employee ($Millions) | $312.29M |
| Bank Premises and Fixed Assets | $0 |
| Cash and Balances due from Depository Institutions | $608.12M |
| Deposits Held in Domestic Offices | $569.17M |
Key Performance Ratios
| Return on Assets (ROA) | 0.86% |
| Return on Equity (ROE) | 8.98% |
| Net Interest Margin | 1.36% |
| Efficiency Ratio | 12.25% |
| Tier 1 Risk-Based Capital Ratio | 48.052% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.633% |
| Earning Assets to total Assets | 92.34% |
Income and Expense
| Total Interest Income | $4.60M |
| Total Noninterest Income | $2.00k |
| Total Interest Expense | $2.81M |
| Total Noninterest Expense | $220.00k |
| Net Interest Income | $1.79M |
| Pre-tax Net Operating Income | $1.58M |
| Provision for Credit Losses | $0 |
| 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 | $154.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.48M |
| Total Liabilities and Capital | $624.57M |
Securities
| Securities | $15.77M |
| Available-for-sale debt securities | $15.77M |
| 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 Commercial Bank?
$624.57M as of the latest filing.
How much are Pioneer Commercial Bank's total deposits?
$569.17M in total deposits.
Where is Pioneer Commercial Bank located?
Albany, NY.
What is the Net Interest Margin?
1.36%.
How many domestic offices does it operate?
1.
When was it established?
11/08/2004.
What is the Return on Assets (ROA)?
0.86%.
How much are total loans and leases?
$0 (latest filing).
What is the total interest income (latest filing)?
$4.60M.