What is Pioneer Bank & Trust's financial health grade?

Pioneer Bank & Trust has a TFS Financial Health Grade of C+ (score: 77.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Pioneer Bank & Trust have?

Pioneer Bank & Trust has 7 branch locations across the United States.

Is Pioneer Bank & Trust FDIC insured?

Yes, Pioneer Bank & Trust is FDIC insured (Certificate #15562).

What are the total assets of Pioneer Bank & Trust?

Pioneer Bank & Trust has total assets of $1.0B as reported in its most recent FDIC filing.

Pioneer Bank & Trust

BankBelle Fourche, South Dakota

www.pioneerbankandtrust.com

Total Assets

$1.0B

Total Deposits

$906.0M

Branches

Established

1937

TFS Health Grade

C+

77.2 / 100

Average financial health

How we grade

Pioneer Bank & Trust is a bank headquartered in Belle Fourche, South Dakota, established in 1937. With $1.0B in total assets and 7 branch locations, it has a TFS Financial Health Grade of C+ (77.2/100).

Capital & Safety

Tier 1 Capital Ratio

10.91%(8%)

Total Capital Ratio

17.93%(10%)

Non-Performing Loan Ratio

0.03%

Profitability

Return on Assets (ROA)

1.38%(1%)

Return on Equity (ROE)

14.74%(10%)

Net Interest Margin

3.70%

Efficiency Ratio

55.79%(60%)

Lending & Liquidity

Total Loans

$537.0M

Loan-to-Deposit Ratio

58.62%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+6.50%

Deposit Growth (YoY)

+4.92%

Net Income

$13.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Pioneer Bank & TrustHQ	700 State St	Belle Fourche	SD	11
Pioneer Bank & Trust	102 Main St	Buffalo	SD	11
Pioneer Bank & Trust	2001 W Omaha St	Rapid City	SD	11
Pioneer Bank & Trust	2018 Mount Rushmore Rd	Rapid City	SD	11
Pioneer Bank & Trust	125 E Colorado Blvd	Spearfish	SD	21
Pioneer Bank & Trust	140 E Jackson Blvd	Spearfish	SD	11
Pioneer Bank & Trust	2611 Lazelle St	Sturgis	SD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.