Pioneer State Bank (FDIC certificate #29517) is based in Deer Lodge, Montana. Its Q2 2026 call report shows $133.5M in total assets and $100.5M in deposits and 2 offices.
Based on its Q2 2026 filing, Pioneer State Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 20th. Its strongest component is capital cushion (100/100; 16.80%), and its lowest is earnings (0/100; -2.15%).
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 6 points (76 → 70), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 76 |
| Q4 2024 | 72 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 73 |
| Q4 2025 | 77 |
| Q1 2026 | 74 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.08% |
| Q3 2024 | 16.96% |
| Q4 2024 | 16.99% |
| Q1 2025 | 16.91% |
| Q2 2025 | 16.97% |
| Q3 2025 | 16.64% |
| Q4 2025 | 16.05% |
| Q1 2026 | 15.68% |
| Q2 2026 | 16.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.98% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.38% |
| Q1 2025 | -0.71% |
| Q2 2025 | -0.25% |
| Q3 2025 | -0.18% |
| Q4 2025 | -0.15% |
| Q1 2026 | -0.76% |
| Q2 2026 | -2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $133.5M | 16.80% | 0.59% | -2.15% | 91.8% |
| Q1 2026 | 74 | $122.0M | 15.68% | 0.06% | -0.76% | 95.2% |
| Q4 2025 | 77 | $120.0M | 16.05% | 0.00% | -0.15% | 96.7% |
| Q3 2025 | 73 | $118.9M | 16.64% | 0.52% | -0.18% | 94.9% |
| Q2 2025 | 76 | $113.2M | 16.97% | 0.07% | -0.25% | 98.9% |
| Q1 2025 | 73 | $111.6M | 16.91% | 0.07% | -0.71% | 101.7% |
| Q4 2024 | 72 | $112.3M | 16.99% | 0.98% | 0.38% | 101.3% |
| Q3 2024 | 76 | $112.8M | 16.96% | 0.60% | 0.43% | 100.3% |
| Q2 2024 | 82 | $113.3M | 17.08% | 0.00% | 0.51% | 97.6% |
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).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank & Trust CompanyBank Big Timber, MT | 49 out of 100, Below average | $155.4M | 9.9% | 3.15% | vs |
| Freedom BankBank Columbia Falls, MT | 78 out of 100, Strong | $157.3M | 12.2% | 0.54% | vs |
| Bank of BozemanBank Bozeman, MT | 68 out of 100, Moderate | $108.4M | 10.2% | 0.39% | vs |
| Garfield County BankBank Jordan, MT | 64 out of 100, Moderate | $108.0M | 15.8% | 8.42% | vs |
| The Bank of BakerBank Baker, MT | 74 out of 100, Strong | $160.9M | 10.9% | 0.72% | vs |
| Ascent BankBank Helena, MT | 46 out of 100, Below average | $104.1M | 8.7% | 2.51% | vs |
Deposit insurance
Is my money safe at Pioneer State Bank?
Yes. Pioneer State Bank is an FDIC-insured institution (FDIC certificate #29517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.8% of deposits ($14.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Pioneer State Bank lists 2 offices in 2 cities. Most locations:
- Deer Lodge, MT (1)
- Dillon, MT (1)
Identity & history
Profile
- Legal name
- Pioneer State Bank
- Former names
- Pioneer Federal Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 29517
- RSSD ID
- 445674
- Primary regulator
- FDIC
- Holding company
- Psb Financial Inc
- Established
- January 1, 1912
- Headquarters
- 202 N Main St, Deer Lodge, MT 59722
- Website
- www.pioneerstate.bank
- Employees
- 22
Quick answers
Pioneer State Bank: common questions
Is Pioneer State Bank FDIC insured?
Yes. Pioneer State Bank is an FDIC-insured institution (FDIC certificate #29517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Pioneer State Bank's TellerScore?
70 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 State Bank ever failed?
There is no failure record for FDIC certificate #29517 in the FDIC failed bank list.
How many branches does Pioneer State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Deer Lodge
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security Bank of Deer LodgeBank Deer Lodge, MT | 77 out of 100, Strong | $81.1M | 10.0% | 0.00% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Peoples Bank of Deer LodgeBank Deer Lodge, MT | 62 out of 100, Moderate | $50.8M | 10.5% | 2.01% | vs |