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Overview / Commentary
3000 North Main Street
Roswell, NM 88201

Pioneer Bank (NM) is headquartered in Roswell and is the 7th largest bank in the state of New Mexico. It is also the 1,052nd largest bank in the nation. It was established in 1901 and as of March of 2014, it had grown to 216 employees at 15 locations. Pioneer Bank (NM) has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pioneer Bank (NM) had $2.68 million in non-current loans and owned real-estate with $62.09 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Bank (NM) a Texas Ratio of 4.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pioneer Bank (NM) experienced no significant changes from 2.57% as of March 31, 2013 to 4.31% as of March 31, 2014, resulting in a negative change of 67.70%. This indicates that the balance sheet and financial strength for Pioneer Bank (NM) has had no significant changes in recent periods.

Deposit Growth


In the past year, Pioneer Bank (NM) has increased its total deposits by $38.4 million, resulting in 8.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pioneer Bank (NM) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pioneer Bank (NM) has $649.18 million in assets with $62.09 million in equity, resulting in a capitalization level of 9.56%, which is above average.

Institution Statistics

FDIC Certificate #27872
Year Established1901
Primary RegulatorOCC
Assets and Liabilities
Assets$649.18 million
Loans$291.83 million
Deposits$516.76 million
Equity Capital$58.64 million
Loan Loss Allowance$3.44 million
Unbacked Noncurrent Loans$18,000
Real Estate Owned$2.66 million
Historic Data - March 2013
Assets$653.81 million
Equity Capital$63.36 million
Loan Loss Allowance$3.57 million
Unbacked Noncurrent Loans$18,000
Real Estate Owned$1.57 million
Profit Margin - Quarterly
Return on Assets0.68%
Return on Equity7.61%
Interest Income$4.74 million

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Pioneer Bank (NM) has 15 locations. Click to view all Pioneer Bank (NM) locations.