Headquartered in Roswell, New Mexico, Pioneer Bank is a savings bank with $1.1B in total assets and $850.8M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1901.
Based on its Q2 2026 filing, Pioneer Bank scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in New Mexico, it ranks 18th. Its strongest component is earnings (100/100; 2.58%), and its lowest is loan quality (43/100; 1.71%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (65 → 73), mostly because the loan quality component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 57 |
| Q4 2024 | 62 |
| Q1 2025 | 67 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 71 |
| Q1 2026 | 66 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.91% |
| Q3 2024 | 10.70% |
| Q4 2024 | 11.40% |
| Q1 2025 | 11.37% |
| Q2 2025 | 11.31% |
| Q3 2025 | 11.32% |
| Q4 2025 | 11.49% |
| Q1 2026 | 11.75% |
| Q2 2026 | 12.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.27% |
| Q3 2024 | 4.13% |
| Q4 2024 | 2.50% |
| Q1 2025 | 2.11% |
| Q2 2025 | 2.24% |
| Q3 2025 | 1.86% |
| Q4 2025 | 1.64% |
| Q1 2026 | 2.19% |
| Q2 2026 | 1.71% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.26% |
| Q3 2024 | 1.96% |
| Q4 2024 | 1.85% |
| Q1 2025 | 2.14% |
| Q2 2025 | 2.27% |
| Q3 2025 | 2.20% |
| Q4 2025 | 2.19% |
| Q1 2026 | 2.28% |
| Q2 2026 | 2.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $1.1B | 12.32% | 1.71% | 2.58% | 72.3% |
| Q1 2026 | 66 | $1.1B | 11.75% | 2.19% | 2.28% | 79.7% |
| Q4 2025 | 71 | $1.1B | 11.49% | 1.64% | 2.19% | 76.4% |
| Q3 2025 | 68 | $1.1B | 11.32% | 1.86% | 2.20% | 75.5% |
| Q2 2025 | 65 | $1.1B | 11.31% | 2.24% | 2.27% | 71.2% |
| Q1 2025 | 67 | $1.0B | 11.37% | 2.11% | 2.14% | 69.4% |
| Q4 2024 | 62 | $982.8M | 11.40% | 2.50% | 1.85% | 71.2% |
| Q3 2024 | 57 | $1.1B | 10.70% | 4.13% | 1.96% | 60.8% |
| Q2 2024 | 57 | $1.1B | 10.91% | 3.27% | 2.26% | 68.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
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 New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CNB BankBank Carlsbad, NM | 75 out of 100, Strong | $1.1B | 9.7% | 0.09% | vs |
| Citizens Bank of Las CrucesBank Las Cruces, NM | 76 out of 100, Strong | $1.2B | 10.4% | 0.43% | vs |
| InBankBank Raton, NM | 62 out of 100, Moderate | $1.4B | 11.5% | 1.31% | vs |
| Century BankBank Santa Fe, NM | 61 out of 100, Moderate | $1.4B | 10.3% | 1.07% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
Deposit insurance
Is my money safe at Pioneer Bank?
Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #27872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($159.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.77% (benchmark: 10%).
11 locations
Branches
Pioneer Bank lists 11 offices in 6 cities. Most locations:
- Las Cruces, NM (3)
- Roswell, NM (3)
- Hobbs, NM (2)
- Alamogordo, NM (1)
- Carlsbad, NM (1)
- Ruidoso, NM (1)
HMDA 2025
Mortgage lending
In 2025, Pioneer Bank reported 53 home-loan applications under HMDA (LEI 549300QOIO7RN6JTEI45): 22 originated ($3,170,000 total), 15 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.8%, 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.
Identity & history
Profile
- Legal name
- Pioneer Bank
- Former names
- Pioneer Savings Bank; Pioneer Savings and Trust, FA; Pioneer Savings & Trust, F.A.
- Type
- Savings bank
- FDIC certificate #
- 27872
- RSSD ID
- 606176
- Primary regulator
- OCC
- Holding company
- Pioneer Bcorp Inc
- Established
- February 18, 1901
- Headquarters
- 3000 N Main St, Roswell, NM 88201
- Website
- www.pioneer.bank
- Employees
- 148
Quick answers
Pioneer Bank: common questions
Is Pioneer Bank FDIC insured?
Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #27872). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pioneer Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Pioneer Bank ever failed?
There is no failure record for FDIC certificate #27872 in the FDIC failed bank list.
How many branches does Pioneer Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Roswell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chaves County School Employees Credit UnionCredit union Roswell, NM | 100 out of 100, Very strong | $40.1M | 20.9% | 0.00% | vs |
| Otero Federal Credit UnionCredit union Alamogordo, NM | 95 out of 100, Very strong | $535.3M | 15.5% | 0.26% | vs |
| Roswell Community Federal Credit UnionCredit union Roswell, NM | 83 out of 100, Strong | $50.3M | 16.8% | 1.39% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |