Pioneer Bank

Headquarters: Stanley, Virginia
Charter: Bank
Assets: $371.8M
Fed district: Richmond

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

Source: its fee schedule, read Oct 16, 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 16, 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 16, 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 $139K in Q2 2026, 2.1% below the same quarter a year earlier ($142K).
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.

Overdraft (OD)
Pioneer Bank: $35
Pioneer Bank: $35
U.S. median: no median
NSF / Returned Item
Pioneer Bank: $35
Pioneer Bank: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Pioneer Bank: $35
Pioneer Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond 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).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 4.8% from Q3 2025 to Q2 2026, to $139K.

Service-charge income, Q2 2026

$139K

$146KQ3 2025

$144KQ4 2025

$138KQ1 2026

$139KQ2 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 · $372M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$359M to $383M in assets
Headquartered in 16 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)	Stanley, VA	$372M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
5Star Bank	Colorado Springs, CO	$378M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American Community Bank of Indiana	Saint John, IN	$383M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
AmeriFirst Bank	Montgomery, AL	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Commercial Bank & Trust Company	Monticello, AR	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desjardins Bank, National Association	Hallandale, FL	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Earlham Savings Bank	West Des Moines, IA	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ESB Financial	Emporia, KS	$381M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Farmers & Merchants Bank	Miamisburg, OH	$359M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank in Port Lavaca	Port Lavaca, TX	$361M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Nebraska Bank	Valley, NE	$371M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Shore Federal Savings and Loan Association	Salisbury, MD	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First State Bank	Stratford, TX	$372M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
FlatIrons Bank	Boulder, CO	$370M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Georgia Community Bank	Albany, GA	$375M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Heritage Bank National Association	Spicer, MN	$361M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Merchants & Planters' Bank	Newport, AR	$379M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Municipal Trust and Savings Bank	Bourbonnais, IL	$382M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Native American Bank, National Association	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
ProGrowth Bank	Nicollet, MN	$365M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rabun County Bank	Clayton, GA	$362M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sandhills State Bank	North Platte, NE	$383M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers Bank of Appomattox	Appomattox, VA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Fisher National Bank	Fisher, IL	$376M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Harbor Bank of Maryland	Baltimore, MD	$383M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Roosevelt Savings Bank	Carteret, NJ	$381M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 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 $8.95 among 15 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 2, 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 2, 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: $139K
vs prior quarter: +$1K+0.7%; from Q1 2026
vs a year earlier: −$3K−2.1%; from Q2 2025
vs start of range: −$7K−4.8%; 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	$139K	+$1K	+0.7%
Q1 2026	$138K	−$6K	−4.2%
Q4 2025	$144K	−$2K	−1.4%
Q3 2025	$146K	+$4K	+2.8%
Q2 2025	$142K	+$1K	+0.7%
Q1 2025	$141K	−$8K	−5.4%
Q4 2024	$149K	+$3K	+2.1%
Q3 2024	$146K	+$8K	+5.8%

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

Early Account Closure Fee (If closed within 6 months of opening date)$20
Dormant Account Fee$10
Account Research Fee (per hour)$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$5
Return Mail/Bad Address Fee$20

Overdraft & NSF

Overdraft fee$35
per item
Non-sufficient Funds Fee$35

ATM & Card

Credit/Debit Card Replacement Fee$10

Wire Transfers

Outgoing Wire Transfer Fee$35
Incoming Wire Transfer Fee$25
Foreign Wire Transfer Fee$85

Check Services

Cashier's Check fee$10
Stop Payment Fee$35
Foreign Check Cashing Fee (in addition to corresponding bank fee)$35
Check Copies$10

Account Services

Safe Deposit Box Drilling and Lock Replacement Fee$220
Not compared: Box drilling or key fee
Safe Deposit Box Duplicate Key Fee$25
Not compared: Box drilling or key fee
Safe Deposit Box Fee- 10x10$75
Safe Deposit Box Fee- 3x10$41
Safe Deposit Box Fee- 3x5$34
Safe Deposit Box Fee- 5x10$55
Safe Deposit Box Fee- 5x5$36
Garnishments/Levies Fee$125

Retirement & IRA

IRA Transfer Fee$40

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (If closed within 6 months of opening date)	$20	Not stated	None
Dormant Account Fee	$10	Not stated	None
Account Research Fee (per hour)	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$5	Not stated	None
Return Mail/Bad Address Fee	$20	Not stated	None
Overdraft & NSF
Overdraft fee	$35	per item	None
Non-sufficient Funds Fee	$35	Not stated	None
ATM & Card
Credit/Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Outgoing Wire Transfer Fee	$35	Not stated	None
Incoming Wire Transfer Fee	$25	Not stated	None
Foreign Wire Transfer Fee	$85	Not stated	None
Check Services
Cashier's Check fee	$10	Not stated	None
Stop Payment Fee	$35	Not stated	None
Foreign Check Cashing Fee (in addition to corresponding bank fee)	$35	Not stated	None
Check Copies	$10	Not stated	None
Account Services
Safe Deposit Box Drilling and Lock Replacement Fee	$220Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Duplicate Key Fee	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box Fee- 10x10	$75	Not stated	None
Safe Deposit Box Fee- 3x10	$41	Not stated	None
Safe Deposit Box Fee- 3x5	$34	Not stated	None
Safe Deposit Box Fee- 5x10	$55	Not stated	None
Safe Deposit Box Fee- 5x5	$36	Not stated	None
Garnishments/Levies Fee	$125	Not stated	None
Retirement & IRA
IRA Transfer Fee	$40	Not stated	None

Correct a fee source

Oct 16, 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 Charlottesville, VA, Pioneer Bank holds 0.8% of bank deposits, #13 of 15, with 2 offices.

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

Offices in the metro

61 offices of 17 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: Charlottesville, VA metro (FDIC metro code 16820), 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.

1Bank of America, National Association23.8%
2Truist Bank19.4%
3Wells Fargo Bank, National Association15.9%
4Atlantic Union Bank11.9%
5Virginia National Bank11.3%
6United Bank5.9%
7First-Citizens Bank & Trust Company2.4%
8JPMorgan Chase Bank, National Association2.2%
13Pioneer Bank0.8%

9 of 15 institutions shown. $6.1B 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: Charlottesville, VA metro (FDIC metro code 16820)
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: 0.8% share, 2 offices, #13 of 15

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: Charlottesville, VA 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

10 offices of 2 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.

Fee change alerts

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