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.

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 81).

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 South Dakota

Yes. Pioneer Bank & Trust is an FDIC-insured institution (FDIC certificate #15562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.0% of deposits ($331.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.60% (benchmark: 10%).

Check how much of your own balance is covered

Pioneer Bank & Trust lists 6 offices in 5 cities. Most locations:

• Rapid City, SD (2)
• Belle Fourche, SD (1)
• Buffalo, SD (1)
• Spearfish, SD (1)
• Sturgis, SD (1)

All branch addresses and map

In 2025, Pioneer Bank & Trust reported 189 home-loan applications under HMDA (LEI 254900CYWJYH3ES8BV63): 139 originated ($52,745,000 total), 16 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, 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 & Trust

Former names

Bank of Belle Fourche

Type

State-chartered bank

FDIC certificate #

15562

RSSD ID

65559

Primary regulator

FDIC

Holding company

Belle Fourche Bancshares Inc

Established

August 30, 1937

Headquarters

700 State St, Belle Fourche, SD 57717

Website

www.pioneerbankandtrust.com

Employees

123