🏦Bank Scorer

PIONEER BANK & TRUST

BELLE FOURCHE, SD · Supervised by FDIC

Est. 1937FDIC #15,562RSSD: FDIC-15562
Part ofBELLE FOURCHE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.62%

Institution Profile

FDIC BankFind

Address

700 State St, BELLE FOURCHE, SD

County

Butte County

Established

August 30, 1937

Total Assets

$986M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$986M

Total Deposits

$874M

Net Loans

$545M

Net Income

$4M

ROA

1.62%

ROE

16.16%

Risk-Based Capital

19.11%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.62%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$860M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417377.46%4.62%
202316168.32%10.56%
202227374.73%8.79%
202142975.52%9.79%
202050574.46%10.69%
201928973.7%12.46%
201827473.72%12.77%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2013

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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