Call reports 2025
PIONEER BANK & TRUST — 2025
What PIONEER BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 957,447,000 | 958,731,000 | 967,615,000 | 1,014,794,000 |
| Total loans | 526,724,000 | 529,138,000 | 541,700,000 | 536,998,000 |
| Allowance for loan losses | 5,635,000 | 5,778,000 | 5,879,000 | 5,877,000 |
| Securities available for sale | 354,768,000 | 349,003,000 | 355,615,000 | 351,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 829,246,000 | 859,644,000 | 848,806,000 | 905,998,000 |
| Interest-bearing deposits | 627,525,000 | 646,009,000 | 636,562,000 | 679,491,000 |
| Noninterest-bearing deposits | 201,721,000 | 213,635,000 | 212,244,000 | 226,507,000 |
| Equity capital | 85,775,000 | 91,153,000 | 97,702,000 | 98,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,170,000 | 22,813,000 | 35,004,000 | 47,229,000 |
| Interest expense | 3,413,000 | 6,930,000 | 10,369,000 | 13,549,000 |
| Net interest income | 7,757,000 | 15,883,000 | 24,635,000 | 33,680,000 |
| Noninterest income | 1,317,000 | 2,819,000 | 4,500,000 | 6,778,000 |
| Noninterest expense | 5,066,000 | 9,814,000 | 14,836,000 | 22,572,000 |
| Provision for loan losses | 98,000 | 315,000 | 439,000 | 463,000 |
| Pretax income | 3,735,000 | 8,398,000 | 13,685,000 | 17,248,000 |
| Income tax | 896,000 | 2,017,000 | 3,207,000 | 3,878,000 |
| Net income | 2,839,000 | 6,381,000 | 10,478,000 | 13,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,788,000 | 109,181,000 | 112,204,000 | 110,475,000 |
| Total capital | 112,423,000 | 114,959,000 | 118,083,000 | 116,352,000 |
| Risk-weighted assets | 615,918,000 | 610,160,000 | 621,200,000 | 649,014,000 |