Pioneer Bank, National Association is a national bank headquartered in Albany, New York, in business for about 137 years. At the end of Q2 2026 it reported $2.3B in total assets and $2.0B in deposits, with 22 offices.
Based on its Q2 2026 filing, Pioneer Bank, National Association scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 67th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is funding & liquidity (41/100; 93% loans-to-deposits, 39% uninsured).
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 fell 7 points (69 → 62), mostly because the capital cushion component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.65% |
| Q3 2024 | 12.13% |
| Q4 2024 | 12.07% |
| Q1 2025 | 11.74% |
| Q2 2025 | 11.93% |
| Q3 2025 | 11.45% |
| Q4 2025 | 11.53% |
| Q1 2026 | 11.56% |
| Q2 2026 | 9.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.87% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.92% |
| Q1 2026 | 1.00% |
| Q2 2026 | 0.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $2.3B | 9.97% | 0.48% | 0.74% | 93.1% |
| Q1 2026 | 67 | $2.2B | 11.56% | 0.52% | 1.00% | 90.0% |
| Q4 2025 | 65 | $2.2B | 11.53% | 0.67% | 0.92% | 92.3% |
| Q3 2025 | 66 | $2.2B | 11.45% | 0.69% | 1.00% | 83.5% |
| Q2 2025 | 69 | $2.1B | 11.93% | 0.69% | 1.13% | 86.1% |
| Q1 2025 | 67 | $2.1B | 11.74% | 0.71% | 1.07% | 84.0% |
| Q4 2024 | 71 | $2.0B | 12.07% | 0.36% | 0.89% | 87.6% |
| Q3 2024 | 71 | $2.0B | 12.13% | 0.38% | 0.99% | 81.2% |
| Q2 2024 | 67 | $1.9B | 11.65% | 0.66% | 0.87% | 83.8% |
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 York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hanover Community BankBank Garden City Park, NY | 49 out of 100, Below average | $2.3B | 9.8% | 1.42% | vs |
| Shinhan Bank AmericaBank New York, NY | 65 out of 100, Moderate | $2.2B | 12.5% | 0.57% | vs |
| Maspeth Federal Savings and Loan AssociationBank Maspeth, NY | 74 out of 100, Strong | $2.2B | 34.9% | 1.22% | vs |
| Esquire Bank, National AssociationBank Jericho, NY | 81 out of 100, Strong | $2.5B | 11.7% | 0.27% | vs |
| Mizuho Bank (USA)Bank New York, NY | 62 out of 100, Moderate | $2.1B | 7.0% | 0.00% | vs |
| The Lyons National BankBank Lyons, NY | 63 out of 100, Moderate | $2.1B | 9.0% | 0.48% | vs |
Deposit insurance
Is my money safe at Pioneer Bank, National Association?
Yes. Pioneer Bank, National Association is an FDIC-insured institution (FDIC certificate #20741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.0% of deposits ($784.2M) 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 9.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.48% (benchmark: 10%).
22 locations
Branches
Pioneer Bank, National Association lists 22 offices in 17 cities. Most locations:
- Albany, NY (4)
- Schenectady, NY (2)
- Troy, NY (2)
- Cairo, NY (1)
- Clifton Park, NY (1)
- Cohoes, NY (1)
- Delmar, NY (1)
- Glenmont, NY (1)
- Greenville, NY (1)
- Hudson, NY (1)
- Latham, NY (1)
- Malta, NY (1)
HMDA 2025
Mortgage lending
In 2025, Pioneer Bank, National Association reported 386 home-loan applications under HMDA (LEI 549300256FCWXUM5FR50): 257 originated ($59,995,000 total), 89 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.6%, 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, National Association
- Former names
- Pioneer Savings Bank; Pioneer Bank
- Type
- National bank
- FDIC certificate #
- 20741
- RSSD ID
- 237619
- Primary regulator
- OCC
- Holding company
- Pioneer Bcorp Mhc
- Established
- January 1, 1889
- Headquarters
- 652 Albany Shaker Rd, Albany, NY 12211
- Website
- www.pioneerny.com
- Employees
- 298
Quick answers
Pioneer Bank, National Association: common questions
Is Pioneer Bank, National Association FDIC insured?
Yes. Pioneer Bank, National Association is an FDIC-insured institution (FDIC certificate #20741). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pioneer Bank, National Association's TellerScore?
62 out of 100 (Moderate), 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, National Association ever failed?
There is no failure record for FDIC certificate #20741 in the FDIC failed bank list.
How many branches does Pioneer Bank, National Association have?
22 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Albany
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stratton Air National Guard Federal Credit UnionCredit union Scotia, NY | 94 out of 100, Very strong | $920K | 39.3% | 0.00% | vs |
| M. C. T. Federal Credit UnionCredit union Amsterdam, NY | 94 out of 100, Very strong | $73.3M | 14.4% | 0.41% | vs |
| Troy Federal Credit UnionCredit union Troy, NY | 80 out of 100, Strong | $3.7M | 15.8% | 0.33% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
| Hudson River Community Federal Credit UnionCredit union Corinth, NY | 77 out of 100, Strong | $364.2M | 15.3% | 1.17% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |