Pioneer Bank
Total assets
$883.8M
▲ +3.3% YoY
Deposits
$763.0M
▲ +3.9% YoY
Loans
$642.4M
▲ +3.7% YoY
Offices
6
CITIZENS BANK GROUP INC
ROA (annualized)
1.57%
peers 1.28%
ROE (annualized)
15.82%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Pioneer Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.9% | -1.6 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.4 pts |
| Loan growth (YoY) | +3.7% | +5.3% | -1.6 pts |
| ROA | 1.57% | 1.28% | +0.3 pts |
| ROE | 15.8% | 12.4% | +3.4 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
Profile
- Established
- 1903
- Charter
- State
- Primary regulator
- FED
- Holding company
- CITIZENS BANK GROUP INC
- Specialization
- Agricultural Specialization
- Address
- 301 Main St E, Mapleton, MN, 56065
- County
- Blue Earth
- Metro area
- Mankato, MN
- Offices
- 6
- FDIC cert #
- 5193
- RSSD ID
- 920854
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $883.8M | $763.0M | $642.4M | $89.9M | $7.0M | 1.57% | 4.18% | 0.67% |
| Q1 2026 | $885.0M | $765.9M | $622.2M | $89.1M | $3.6M | 1.63% | 4.05% | 0.66% |
| Q4 2025 | $896.8M | $778.1M | $627.2M | $86.4M | $11.8M | 1.37% | 4.02% | 0.52% |
| Q3 2025 | $839.7M | $724.8M | $627.7M | $84.0M | $8.8M | 1.39% | 4.01% | 0.57% |
| Q2 2025 | $855.6M | $734.4M | $619.3M | $79.7M | $5.3M | 1.24% | 3.89% | 0.59% |
| Q1 2025 | $835.3M | $741.9M | $571.9M | $77.9M | $2.9M | 1.35% | 3.79% | 0.47% |
| Q4 2024 | $858.9M | $767.3M | $573.5M | $73.6M | $9.6M | 1.16% | 3.61% | 0.72% |
| Q3 2024 | $852.5M | $760.0M | $573.5M | $76.4M | $6.7M | 1.09% | 3.55% | 0.66% |
Loan mix (Q2 2026): real estate $440.3M · commercial $116.3M · consumer $4.7M · securities $125.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.89% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 61.2% | 37th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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