Pioneer Bank, SSB

Pioneer Bank, SSB is headquartered in Dripping Springs and is the 311^st largest bank in the state of Texas. It is also the 3,954^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 24 employees at 1 location. Pioneer Bank, SSB has a 5-star health rating.

Pioneer Bank, SSB Routing Number: 114994109

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Data for Q1 2012

Institution Statistics Pioneer Bank, SSB FDIC Certificate # 58577 BankRate Report View Year Established 2007 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $145.70 million Loans $96.10 million Deposits $127.19 million Equity Capital $17.95 million Loan Loss Allowance $820,000 Unbacked Noncurrent Loans $21,000 Historic Data - March 2011 Assets $106.39 million Equity Capital $12.08 million Loan Loss Allowance $604,000 Unbacked Noncurrent Loans $394,000 Real Estate Owned $74,000 Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 1.19% Return on Equity 9.17% Interest Income $1.66 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pioneer Bank, SSB had $21,000 in non-current loans and owned real-estate with $18.77 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Bank, SSB a Texas Ratio of 0.11% 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, SSB decreased significantly from 3.69% as of March 31, 2011 to 0.11% as of March 31, 2012, resulting in a positive change of 96.97%.This indicates that the balance sheet and financial strength for Pioneer Bank, SSB has improved significantly in recent periods. Deposit Growth In the past year, Pioneer Bank, SSB has increased its total deposits by $33.26 million, resulting in 35.41% 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, SSB has shown is excellent. Capitalization 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, SSB has $145.7 million in assets with $18.77 million in equity, resulting in a capitalization level of 12.88%, which is excellent.

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