The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (72 → 77), mostly because the capital cushion component improved by 15 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Iowa

Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #19540). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.0% of deposits ($72.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Pioneer Bank lists 4 offices in 3 cities across 2 states. Most locations:

• Sioux City, IA (2)
• Dakota Dunes, SD (1)
• Sergeant Bluff, IA (1)

All branch addresses and map

In 2025, Pioneer Bank reported 55 home-loan applications under HMDA (LEI 254900A0ZXGBI45YZX94): 48 originated ($19,440,000 total), 0 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Pioneer Bank

Former names

Pioneer Valley Savings Bank

Type

State-chartered bank

FDIC certificate #

19540

RSSD ID

300942

Primary regulator

FDIC

Holding company

Pioneer Development Co

Established

January 1, 1907

Headquarters

202 1st St, Sergeant Bluff, IA 51054

Website

www.pioneerbanks.com

Employees

33