Pioneer Bank National Assn
Albany, New York · FDIC Cert #20741
Pioneer Bank National Assn is an FDIC-insured bank (Certificate #20741) with $1.9B in total assets and $1.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Albany, New York, the bank maintains a Tier 1 capital ratio of 18.40% (Well-Capitalized) and a nonperforming loan ratio of 0.66%. BankHealthData assigns a composite Health Grade of A (85/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Pioneer Bank National Assn (FDIC cert 20741) is a mid-sized bank with $1.9B in total assets and $1.6B in deposits, based in Albany, New York. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 18.40% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.66% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 22.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.12% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Pioneer Bank National Assn carries a composite BankHealth grade of A (85/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Pioneer Bank National Assn
- Total Assets
- $1.9B
- Total Deposits
- $1.6B
- Tier 1 Capital Ratio
- 18.40%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.66%
- Liquidity Ratio
- 22.90%
- Return on Assets
- 1.12%
- Headquarters
- Albany, New York
- FDIC Certificate
- #20741
- Health Grade
- A (85/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Pioneer Bank National Assn holds a Tier 1 capital ratio of 18.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Pioneer Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Pioneer Bank National Assn shows strong financial health indicators. With $1.9B in assets and a Health Score of 85/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Pioneer Bank National Assn Compares
Pioneer Bank National Assn’s Health Score of 85 is 14 points above the New York state average of 71 across 130 FDIC-insured banks. Its 18.40% Tier 1 capital ratio is 4.4 points above the US banking industry average near 14%. The 0.66% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.12% is in line with or above the national ROA benchmark of ~1.1%. Among 654 similarly-sized banks, the average Health Score is 72, meaning this bank ranks above its size cohort. Site-wide, Pioneer Bank National Assn is 15 points above the portfolio average of 70.
Frequently Asked Questions
Pioneer Bank National Assn has a Bank Health Score of A (85/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.40%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Pioneer Bank National Assn's Tier 1 capital ratio of 18.40% and nonperforming loan ratio of 0.66% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Pioneer Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #20741). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Pioneer Bank National Assn holds $1.9B in total assets and $1.6B in total deposits. It is headquartered in Albany, New York (FDIC Certificate #20741).
Pioneer Bank National Assn has a Tier 1 capital ratio of 18.40%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.66%, and the return on assets is 1.12%.
Yes. Pioneer Bank National Assn is FDIC-insured (Certificate #20741). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Pioneer Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.