TellerScore

Headquartered in Stanley, Virginia, Pioneer Bank is a state-chartered bank (fed member) with $371.8M in total assets and $296.2M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1909.

Pioneer Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 6th. Earnings contributes the most (100/100, 2.81%); funding & liquidity contributes the least (53/100, 97% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.96%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings100/100
Return on assets (annualized): 2.81%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 97.1% · 24.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

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 10 points (74 → 84), mostly because the earnings component improved by 33 points.

TellerScore
677684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202470
Q1 202575
Q2 202574
Q3 202575
Q4 202574
Q1 202679
Q2 202684
Tier 1 leverage ratio
5.00%8.48%11.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.00%
Q3 20249.90%
Q4 202410.70%
Q1 202510.69%
Q2 202511.04%
Q3 202511.43%
Q4 202511.40%
Q1 202611.44%
Q2 202611.96%
Noncurrent loans
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.05%
Q4 20240.05%
Q1 20250.04%
Q2 20250.06%
Q3 20250.00%
Q4 20250.08%
Q1 20260.06%
Q2 20260.03%
Return on assets
0.72%1.76%2.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.72%
Q4 20240.79%
Q1 20251.26%
Q2 20251.18%
Q3 20251.20%
Q4 20251.17%
Q1 20261.62%
Q2 20262.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$371.8M11.96%0.03%2.81%97.1%
Q1 202679$362.8M11.44%0.06%1.62%97.4%
Q4 202574$354.2M11.40%0.08%1.17%101.5%
Q3 202575$345.6M11.43%0.00%1.20%97.4%
Q2 202574$337.6M11.04%0.06%1.18%95.6%
Q1 202575$351.0M10.69%0.04%1.26%92.9%
Q4 202470$344.5M10.70%0.05%0.79%95.0%
Q3 202467$362.4M9.90%0.05%0.72%93.5%
Q2 202468$356.9M10.00%0.04%0.74%94.3%

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 ratio11.96%
65th
Total risk-based capital16.53%
76th
Problem loans0.03%
82nd
Net charge-offs-0.04%
95th
Return on assets2.81%
97th
Net interest margin4.63%
83rd
Efficiency ratio44.9%
91st
Loans to deposits97.1%
14th
Uninsured deposits24.3%
49th
Loan-loss reserves0.82%
12th
Texas ratio0.2%
83rd

Similar-size banks in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers Bank of AppomattoxBank Appomattox, VA76 out of 100, Strong$374.6M12.6%0.59%vs
Legacy BankBank Grundy, VA68 out of 100, Moderate$360.2M20.6%1.78%vs
Locus Bank, Inc.Bank Richmond, VA79 out of 100, Strong$359.4M21.5%0.62%vs
New Horizon Bank, National AssociationBank Powhatan, VA60 out of 100, Moderate$359.3M10.8%0.15%vs
First Sentinel BankBank Richlands, VA67 out of 100, Moderate$398.0M10.0%0.11%vs
Lee Bank and Trust CompanyBank Pennington Gap, VA82 out of 100, Strong$257.3M14.1%1.37%vs

Deposit insurance

Is my money safe at Pioneer Bank?

Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #6913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.3% of deposits ($71.9M) 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 11.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.53% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pioneer Bank reported 79 home-loan applications under HMDA (LEI 549300IDUXRYG23KYY13): 57 originated ($20,545,000 total), 11 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, 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
Farmers & Merchants Bank of Stanley; Farmers and Merchants National Bank of Stanley; The Farmers & Merchants National Bank of Stanley
Type
State-chartered bank (Fed member)
FDIC certificate #
6913
RSSD ID
41629
Primary regulator
FED
Holding company
Pioneer Bankshares Inc
Established
December 3, 1909
Headquarters
252 E Main St, Stanley, VA 22851
Employees
55

Quick answers

Pioneer Bank: common questions

Is Pioneer Bank FDIC insured?

Yes. Pioneer Bank is an FDIC-insured institution (FDIC certificate #6913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pioneer Bank's TellerScore?

84 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 #6913 in the FDIC failed bank list.

How many branches does Pioneer Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stanley

InstitutionScoreAssetsCapitalProblem loansCompare
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs
City National Bank of West VirginiaBank Charleston, WV78 out of 100, Strong$6.8B9.6%0.22%vs
Dupont Community Credit UnionCredit union Waynesboro, VA76 out of 100, Strong$2.1B10.9%0.33%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Atlantic Union BankBank Richmond City, VA73 out of 100, Strong$38.0B11.4%0.50%vs
The First Bank and Trust CompanyBank Lebanon, VA72 out of 100, Strong$4.3B10.1%0.28%vs