TellerScore

Pioneer Trust Bank, National Association (FDIC certificate #19827) is based in Salem, Oregon. Its Q2 2026 call report shows $712.5M in total assets and $602.2M in deposits and 2 offices.

Pioneer Trust Bank, National Association has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 2nd. Capital cushion contributes the most (100/100, 15.26%); funding & liquidity contributes the least (54/100, 84% loans-to-deposits, 35% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.26%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.32%
Earnings100/100
Return on assets (annualized): 2.56%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 84.0% · 35.4% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.78%

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 9 points (90 → 81), mostly because the loan quality component weakened by 36 points.

TellerScore
818690Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202481
Q4 202483
Q1 202588
Q2 202590
Q3 202582
Q4 202582
Q1 202683
Q2 202681
Tier 1 leverage ratio
5.00%10.13%15.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.57%
Q3 202414.33%
Q4 202413.97%
Q1 202514.41%
Q2 202514.57%
Q3 202514.47%
Q4 202514.28%
Q1 202615.11%
Q2 202615.26%
Noncurrent loans
0.25%0.78%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.45%
Q3 20240.98%
Q4 20240.65%
Q1 20250.34%
Q2 20250.25%
Q3 20251.07%
Q4 20250.99%
Q1 20261.04%
Q2 20261.32%
Return on assets
1.92%2.24%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.15%
Q3 20242.05%
Q4 20241.92%
Q1 20252.33%
Q2 20252.32%
Q3 20252.32%
Q4 20252.32%
Q1 20262.53%
Q2 20262.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$712.5M15.26%1.32%2.56%84.0%
Q1 202683$711.9M15.11%1.04%2.53%81.0%
Q4 202582$734.9M14.28%0.99%2.32%76.9%
Q3 202582$726.7M14.47%1.07%2.32%80.4%
Q2 202590$716.1M14.57%0.25%2.32%81.9%
Q1 202588$696.3M14.41%0.34%2.33%86.4%
Q4 202483$700.4M13.97%0.65%1.92%87.0%
Q3 202481$689.0M14.33%0.98%2.05%89.2%
Q2 202486$667.7M14.57%0.45%2.15%94.8%

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 ratio15.26%
88th
Total risk-based capital21.17%
89th
Problem loans1.32%
21st
Net charge-offs0.03%
35th
Return on assets2.56%
96th
Net interest margin4.39%
74th
Efficiency ratio36.0%
98th
Loans to deposits84.0%
40th
Uninsured deposits35.4%
16th
Loan-loss reserves1.75%
89th
Texas ratio5.8%
32nd

Similar-size banks in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR76 out of 100, Strong$678.7M11.9%0.04%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Evergreen Federal BankBank Grants Pass, OR75 out of 100, Strong$621.6M13.2%0.63%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs

Deposit insurance

Is my money safe at Pioneer Trust Bank, National Association?

Yes. Pioneer Trust Bank, National Association is an FDIC-insured institution (FDIC certificate #19827). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.4% of deposits ($213.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.17% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Pioneer Trust Bank, National Association lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pioneer Trust Bank, National Association
Former names
Pioneer Trust Company
Type
National bank
FDIC certificate #
19827
RSSD ID
852973
Primary regulator
OCC
Holding company
Ptb Corp
Established
January 1, 1924
Headquarters
109 Commercial St Ne, Salem, OR 97301
Employees
81

Quick answers

Pioneer Trust Bank, National Association: common questions

Is Pioneer Trust Bank, National Association FDIC insured?

Yes. Pioneer Trust Bank, National Association is an FDIC-insured institution (FDIC certificate #19827). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pioneer Trust Bank, National Association's TellerScore?

81 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 Trust Bank, National Association ever failed?

There is no failure record for FDIC certificate #19827 in the FDIC failed bank list.

How many branches does Pioneer Trust Bank, National Association have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Salem

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR82 out of 100, Strong$22.5M14.1%1.31%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs
Nw Preferred Federal Credit UnionCredit union Tigard, OR79 out of 100, Strong$189.3M14.6%0.91%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs