Pioneer Bank

Headquarters: Mapleton, Minnesota
Charter: Bank
Assets: $883.8M
Fed district: Minneapolis
Regulator: Federal Reserve
Holding company: Citizens Bank Group Inc.

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 11, 2026

How these figures are measured

Call-report figures are for Pioneer Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Pioneer Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Pioneer Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $204K in Q2 2026, 10% above the same quarter a year earlier ($185K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Wire Transfer (Domestic Out)
Compared at $20, the middle of its prices
Pioneer Bank: $15 to $25
Pioneer Bank: $15 to $25
U.S. median: no median
Stop Payment
Compared at $22.50, the middle of its prices
Pioneer Bank: $20 to $25
Pioneer Bank: $20 to $25
U.S. median: no median
Wire Transfer (Int'l Out)
Pioneer Bank: $50
Pioneer Bank: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 2.4% from Q3 2025 to Q2 2026, to $204K.

Service-charge income, Q2 2026

$204K

$209KQ3 2025

$207KQ4 2025

$190KQ1 2026

$204KQ2 2026

Against the median

Pioneer BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Pioneer Bank · $884M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$858M to $906M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Pioneer Bank(this institution)	Mapleton, MN	$884M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
BayVanguard Bank	Baltimore, MD	$869M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bogota Savings Bank	Teaneck, NJ	$872M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Falcon National Bank	Foley, MN	$872M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers and Merchants Bank	Upperco, MD	$874M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers National Bank	Prophetstown, IL	$896M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Bank	Ketchikan, AK	$890M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Liberty Bank	Oklahoma City, OK	$885M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Southern State Bank	Stevenson, AL	$893M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fortress Bank	Peoria, IL	$897M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greenfield Co-operative Bank	Greenfield, MA	$902M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hawaii National Bank	Honolulu, HI	$872M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Legacy Bank	Colwich, KS	$865M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Liberty Bank for Savings	Chicago, IL	$869M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mechanics Bank	Mansfield, OH	$896M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mechanics Cooperative Bank	Taunton, MA	$899M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mountain Pacific Bank	Everett, WA	$896M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Newfield National Bank	Newfield, NJ	$889M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Savings Bank of Walpole	Walpole, NH	$858M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Heritage Bank	Scottsdale, AZ	$893M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Terrabank, National Association	Miami, FL	$898M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Savings Bank	Wakefield, MA	$891M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Thrivent Bank	Salt Lake City, UT	$906M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Titan Bank, N.A.	Mineral Wells, TX	$896M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Unified Bank	Martins Ferry, OH	$872M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Windsor Federal Bank	Windsor, CT	$895M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Pioneer Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Pioneer Bank does not publish a monthly maintenance fee, so it is not on this chart.

Pioneer BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Pioneer Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $204K
vs prior quarter: +$14K+7.4%; from Q1 2026
vs a year earlier: +$19K+10.3%; from Q2 2025
vs start of range: +$14K+7.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Pioneer Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$204K	+$14K	+7.4%
Q1 2026	$190K	−$17K	−8.2%
Q4 2025	$207K	−$2K	−1.0%
Q3 2025	$209K	+$24K	+13.0%
Q2 2025	$185K	−$1K	−0.5%
Q1 2025	$186K	−$4K	−2.1%
Q4 2024	$190K	$0	0.0%
Q3 2024	$190K	+$14K	+8.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Pioneer Bank’s own schedules, with a source for each figure.

Account Maintenance

HSA Plan account closing fee (per plan) (audience not stated, treated as personal)$20

ATM & Card

Replace ATM card or debit card (audience not stated, treated as personal)$15

Wire Transfers

Wire Manager - Domestic Wires (audience not stated, treated as personal)$15
Wire transfer outgoing - domestic (audience not stated, treated as personal)$25
Wire transfer outgoing - foreign (audience not stated, treated as personal)$50
Wire transfer incoming - domestic & foreign (audience not stated, treated as personal)$10

Check Services

MiscellaneousBank money orders (audience not stated, treated as personal)$5
Stop payment (audience not stated, treated as personal)$25
Zelle stop payment (audience not stated, treated as personal)$20
Counter check (per check)$1
per item
Collection item$15

Digital & Electronic

Consumer ACH origination annual fee$50
Not compared: Annual charge, not per item
per year

Cash & Deposit

Deposited item return charge (audience not stated, treated as personal)$4

Account Services

Lock drilling and new lock change (audience not stated, treated as personal)$75
Not compared: Box drilling or key fee
Safe Deposit Boxes: IRA Plan closing fee (per plan) (audience not stated, treated as personal)$20
Not compared: CD/IRA fee
Garnishment, levies, IRS withholding (each) (audience not stated, treated as personal)$100
per item

Lending Fees

Late fee after August 1 (monthly) (audience not stated, treated as personal)$15
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Plan closing fee (per plan) (audience not stated, treated as personal)$20

Gift & Prepaid Cards

Prepaid card reload (audience not stated, treated as personal)$2
Prepaid or gift card purchase fee (audience not stated, treated as personal)$4.95

Fee	Amount	Basis	Note
Account Maintenance
HSA Plan account closing fee (per plan) (audience not stated, treated as personal)	$20	Not stated	None
ATM & Card
Replace ATM card or debit card (audience not stated, treated as personal)	$15	Not stated	None
Wire Transfers
Wire Manager - Domestic Wires (audience not stated, treated as personal)	$15	Not stated	None
Wire transfer outgoing - domestic (audience not stated, treated as personal)	$25	Not stated	None
Wire transfer outgoing - foreign (audience not stated, treated as personal)	$50	Not stated	None
Wire transfer incoming - domestic & foreign (audience not stated, treated as personal)	$10	Not stated	None
Check Services
MiscellaneousBank money orders (audience not stated, treated as personal)	$5	Not stated	None
Stop payment (audience not stated, treated as personal)	$25	Not stated	None
Zelle stop payment (audience not stated, treated as personal)	$20	Not stated	None
Counter check (per check)	$1	per item	None
Collection item	$15	Not stated	None
Digital & Electronic
Consumer ACH origination annual fee	$50Not compared: Annual charge, not per item	per year	None
Cash & Deposit
Deposited item return charge (audience not stated, treated as personal)	$4	Not stated	None
Account Services
Lock drilling and new lock change (audience not stated, treated as personal)	$75Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Boxes: IRA Plan closing fee (per plan) (audience not stated, treated as personal)	$20Not compared: CD/IRA fee	Not stated	None
Garnishment, levies, IRS withholding (each) (audience not stated, treated as personal)	$100	per item	None
Lending Fees
Late fee after August 1 (monthly) (audience not stated, treated as personal)	$15Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Plan closing fee (per plan) (audience not stated, treated as personal)	$20	Not stated	None
Gift & Prepaid Cards
Prepaid card reload (audience not stated, treated as personal)	$2	Not stated	None
Prepaid or gift card purchase fee (audience not stated, treated as personal)	$4.95	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Check Services

Counter check (per check)$1
per item
Money service business check cashing service$30
Collection item$15

Fee	Amount	Basis	Note
Check Services
Counter check (per check)	$1	per item	None
Money service business check cashing service	$30	Not stated	None
Collection item	$15	Not stated	None

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Pioneer Bank operates, and what regulators and customers have on file.

Market position

In Mankato, MN, Pioneer Bank holds 11.9% of bank deposits, #3 of 19, with 4 offices.

Compare fees with the 13 Mankato, MN banks and credit unions in its home-metro peer set →

Offices in the metro

40 offices of 22 institutions shown.

Pioneer BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Mankato, MN metro (FDIC metro code 31860), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 1 office has no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Wells Fargo Bank, National Association17.7%
2Community Bank Mankato13.6%
3Pioneer Bank11.9%
4U.S. Bank National Association7.9%
5First National Bank Minnesota6.3%
6Frandsen Bank & Trust6.1%
7ProGrowth Bank5.6%
8Minnstar Bank National Association5.2%

8 of 19 institutions shown. $3.5B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Mankato, MN metro (FDIC metro code 31860)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 11.9% share, 4 offices, #3 of 19

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Mankato, MN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

7 offices of 3 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

1 past action

Past

Civil Money PenaltyOctober 5, 2021
Federal Reserve · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Pioneer Bank's monthly maintenance changes in our data

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