TellerScore

Headquartered in Mapleton, Minnesota, Pioneer Bank is a state-chartered bank (fed member) with $883.8M in total assets and $763.0M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1903.

Based on its Q2 2026 filing, Pioneer Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 93rd. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is capital cushion (52/100; 10.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.20%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.58%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 84.2% · 22.6% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.14%

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 5 points (66 → 71), mostly because the earnings component improved by 13 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202463
Q1 202570
Q2 202566
Q3 202571
Q4 202572
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%7.60%10.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.82%
Q3 20249.56%
Q4 20249.48%
Q1 20259.91%
Q2 202510.02%
Q3 202510.15%
Q4 20259.97%
Q1 202610.18%
Q2 202610.20%
Noncurrent loans
0.34%0.71%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.77%
Q3 20240.97%
Q4 20241.07%
Q1 20250.67%
Q2 20250.81%
Q3 20250.46%
Q4 20250.34%
Q1 20260.59%
Q2 20260.58%
Return on assets
0.95%1.29%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.95%
Q3 20241.09%
Q4 20241.16%
Q1 20251.35%
Q2 20251.24%
Q3 20251.39%
Q4 20251.37%
Q1 20261.63%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$883.8M10.20%0.58%1.57%84.2%
Q1 202672$885.0M10.18%0.59%1.63%81.2%
Q4 202572$896.8M9.97%0.34%1.37%80.6%
Q3 202571$839.7M10.15%0.46%1.39%86.6%
Q2 202566$855.6M10.02%0.81%1.24%84.3%
Q1 202570$835.3M9.91%0.67%1.35%77.1%
Q4 202463$858.9M9.48%1.07%1.16%74.7%
Q3 202464$852.5M9.56%0.97%1.09%75.5%
Q2 202464$799.5M9.82%0.77%0.95%79.4%

2,650 peers · $100 million – $1 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).

Capital ratio10.20%
36th
Total risk-based capital14.66%
66th
Problem loans0.58%
43rd
Net charge-offs0.03%
35th
Return on assets1.57%
70th
Net interest margin4.18%
64th
Efficiency ratio57.0%
66th
Loans to deposits84.2%
40th
Uninsured deposits22.6%
54th
Loan-loss reserves1.02%
29th
Texas ratio6.1%
30th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
21st Century BankBank Loretto, MN70 out of 100, Strong$894.8M10.7%0.19%vs
Falcon National BankBank Foley, MN62 out of 100, Moderate$872.3M10.2%1.04%vs
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
VersaBank USA National AssociationBank Holdingford, MN89 out of 100, Very strong$911.9M22.5%0.10%vs
Northeast BankBank Minneapolis, MN74 out of 100, Strong$837.3M10.1%0.20%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs

Deposit insurance

Is my money safe at Pioneer Bank?

Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #5193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.6% of deposits ($172.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.66% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Pioneer Bank lists 6 offices in 6 cities. Most locations:

  • Madelia, MN (1)
  • Mankato, MN (1)
  • Mapleton, MN (1)
  • North Mankato, MN (1)
  • Saint Peter, MN (1)
  • St. James, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pioneer Bank reported 120 home-loan applications under HMDA (LEI 54930002ZF7XTZGVKY26): 102 originated ($47,240,000 total), 7 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.4%, 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
The First National Bank of Mapleton
Type
State-chartered bank (Fed member)
FDIC certificate #
5193
RSSD ID
920854
Primary regulator
FED
Holding company
Citizens Bank Group Inc
Established
January 1, 1903
Headquarters
301 Main St E, Mapleton, MN 56065
Employees
118

Quick answers

Pioneer Bank: common questions

Is Pioneer Bank FDIC insured?

Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #5193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pioneer Bank's TellerScore?

71 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 #5193 in the FDIC failed bank list.

How many branches does Pioneer Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mapleton

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
First Financial Bank in WinnebagoBank Winnebago, MN82 out of 100, Strong$58.1M13.8%0.66%vs
Janesville State BankBank Janesville, MN81 out of 100, Strong$98.8M11.4%0.00%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%vs