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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Pioneer Bank National Association

Albany, New York · $2.34B in assets · beside the 11 other New York banks between $1B and $3B

The filing

76.9%
Efficiency
10th of 11
+21.2%
Loans, year over year
3rd of 12, largest first
0.73%
ROA
9th of 11

Pioneer Bank National Association is the sixth largest of the 12 New York banks nearest its size between $1B and $3B, with $2.34B in assets at 30 June 2026. Loans are 94.5% of deposits, 7th of 11 against a median of 94.1%, and equity is 12.2% of assets, 4th of 11. Loans grew +21.2% in the year, 3rd of 12, and deposits grew 12.0%; the cohort's median loan growth is +9.0%.

Noncurrent loans are 0.48% of the book, 6th of 12 against a median of 0.48%; 0.37% is 30 to 89 days past due, and the allowance covers them 3.1 times. Net charge-offs are 0.16% of loans, 10th of 11. Commercial real estate is 30.5% of loans, 5th of 12 against a median of 39.5%, and 236% of capital, below the 300% screen, with construction at 86% against the 100% screen.

Return on assets is 0.73%, 9th of 11 against a median of 1.09%, on an efficiency ratio of 76.9%, 10th of 11. Five years ago it was -0.25%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 59.3% NC Northeast Community Bank 39.8% EB Esquire Bank National Association 45.3% IB Interaudi Bank 53.8% OB Orange Bank & Trust Co. 54.6% CC Chemung Canal Trust Co. 58.1% MF Maspeth Federal Savings & Loan Association 59.3% LN Lyons National Bank 59.7% HC Hanover Community Bank 72.1% SB Shinhan Bank America 74.5% PB Pioneer Bank National Association 76.9% MB Mizuho Bank USA 93.1%
Loans, year over yearNY banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.0% AI Allied Irish Banks +43.9% EB Esquire Bank National Association +27.6% PB Pioneer Bank National Association +21.2% SB Shinhan Bank America +14.8% IB Interaudi Bank +11.3% CC Chemung Canal Trust Co. +11.0% NC Northeast Community Bank +6.9% LN Lyons National Bank +4.1% OB Orange Bank & Trust Co. +2.9% HC Hanover Community Bank +1.2% MF Maspeth Federal Savings & Loan Association +0.5% MB Mizuho Bank USA -83.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Pioneer Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen236%5th of 11241%
Construction against capital, the 100% screen86%10th of 1122%
Construction and land development, share of loans11.0%11th of 122.8%
Non-owner-occupied nonfarm nonresidential, share of loans12.6%6th of 1112.6%
Total CRE, the guidance definition, share of loans30.5%5th of 1239.5%
CRE growth over 36 months, the third prong+40.0%7th of 10+36.7%
Commercial real estate against capital, the 300% screenNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 241% MB Mizuho Bank USA 0% MF Maspeth Federal Savings & Loan Association 141% LN Lyons National Bank 145% EB Esquire Bank National Association 166% PB Pioneer Bank National Association 236% IB Interaudi Bank 241% SB Shinhan Bank America 257% HC Hanover Community Bank 346% OB Orange Bank & Trust Co. 353% CC Chemung Canal Trust Co. 375% NC Northeast Community Bank 501%
CRE growth over 36 months, the guidance's third prongNY banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +36.7% HC Hanover Community Bank -12.7% SB Shinhan Bank America +5.9% MF Maspeth Federal Savings & Loan Association +8.4% OB Orange Bank & Trust Co. +25.8% EB Esquire Bank National Association +34.6% LN Lyons National Bank +38.9% PB Pioneer Bank National Association +40.0% NC Northeast Community Bank +40.3% CC Chemung Canal Trust Co. +45.0% IB Interaudi Bank +57.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Chemung Canal Trust Co.$2.82B1.4%58.1%0.38%0.01%1.1%99.9%10.8%
Orange Bank & Trust Co.$2.79B1.9%54.6%1.12%0.05%1.3%80.7%11.1%
Interaudi Bank$2.68B1.2%53.8%2.36%0.00%0.6%70.0%10.1%
Esquire Bank National Association$2.49B2.3%45.3%0.27%0.52%1.3%86.5%11.2%
Allied Irish Banks$2.43Bno recordno record0.00%no recordno recordno recordno record
Pioneer Bank National Association$2.34B0.7%76.9%0.48%0.16%1.5%94.5%12.2%
Hanover Community Bank$2.33B0.7%72.1%1.42%0.06%1.0%99.4%10.1%
Shinhan Bank America$2.23B0.6%74.5%0.57%-0.01%0.7%94.1%11.6%
Maspeth Federal Savings & Loan Association$2.21B1.1%59.3%1.22%0.00%0.9%140.1%34.9%
Mizuho Bank USA$2.14B1.0%93.1%0.00%0.00%0.4%23.0%14.9%
Lyons National Bank$2.13B1.1%59.7%0.48%0.04%1.5%81.0%7.7%
Northeast Community Bank$2.11B2.1%39.8%0.00%0.06%0.2%124.2%16.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Pioneer Bank National AssociationCohort median
20212026Change20212026Change
Loans$1.11B$1.90B+72%$1.20B$1.90B+59%
Deposits$1.58B$2.01B+27%$1.51B$1.97B+31%
NPA / loans1.98%0.48%-1.50 pts0.49%0.48%-0.01 pts
Efficiency100.8%76.9%-23.9 pts66.0%59.3%-6.8 pts
ROA-0.25%0.73%+0.98 pts0.78%1.09%+0.32 pts

This read was prepared for Pioneer Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Pioneer Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution www.pioneerny.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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