Pioneer Bank & Trust


Pioneer Bank & Trust is an FDIC insured institution headquartered at 700 State St, Belle Fourche, SD 57717.
It was founded in 1937 and has approximately $1 billion in assets. Customers can open an account at one of its 7 branches.

Deposit Rates - August 20, 2025

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.35% $10,000 Compare
12 Mo CD
0.48% $100,000 Compare
24 Mo CD
0.45% $10,000 Compare
24 Mo CD
0.55% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.08% $2,500 Compare
Money Market
0.08% $10,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15562
Date Established 1937
Assets $ 957.45 million
Loans $ 521.09 million
Deposits $ 829.25 million
Capital $ 85.78 million

Summary Balance Sheet as of March 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 31.04 million
Interest-bearing balances $ 17.48 million
Total securities $ 354.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 521.09 million
Loan loss allowance $ 5.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 29.16 million
     Total Assets $ 871.67 million

LIABILITIES
Total deposits $ 829.25 million
      Interest-bearing deposits $ 627.53 million
      Deposits held in domestic offices $ 829.25 million
      % insured (estimated)" 74.13%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 5.42 millionn
      Total Liabilities $ 871.67 million
      Shareholders’ Equity $ 85.78 million

Summary Income Statement as of March 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 11.17 million
Total Interest Expense $ 3.41 million
Net interest income $ 7.76 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 1.32 million
Total non interest expense $ 5.07 million
Pre-tax Net Operating Income $ 5.90 million

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Branches

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Pioneer Bank & Trust Locations