Pioneer Bank & Trust is a bank based in Belle Fourche, South Dakota, established in 1937, with $986 million in total assets across 7 branches. By Trust Grade it ranks 4th of 56 banks we track in South Dakota. Its capital ratio of 10.3% is stronger than 53% of similarly sized banks, versus a South Dakota median of 10.4%. It was profitable over the most recent period, with a 1.62% return on assets. No consumer complaints against Pioneer Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Pioneer Bank & Trust compares to South Dakota peers
How we graded Pioneer Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.3% capital ratio)
- Strongly profitable (ROA 1.62%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Pioneer Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 140 E Jackson Blvd, Spearfish, SD 57783
- 2001 W Omaha St, Rapid City, SD 57702
- 2018 Mount Rushmore Rd, Rapid City, SD 57701
- 125 E Colorado Blvd, Spearfish, SD 57783
- 2611 Lazelle St, Sturgis, SD 57785
- 102 Main St, Buffalo, SD 57720
- 700 State St, Belle Fourche, SD 57717
Are deposits at Pioneer Bank & Trust insured?
Yes. Pioneer Bank & Trust is an FDIC-insured bank (FDIC certificate #15562). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Pioneer Bank & Trust: frequently asked questions
Is Pioneer Bank & Trust a good bank?
Pioneer Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.3% capital ratio); Strongly profitable (ROA 1.62%).
Is Pioneer Bank & Trust FDIC-insured?
Yes. Pioneer Bank & Trust is a FDIC-insured bank (FDIC certificate #15562). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Pioneer Bank & Trust?
Pioneer Bank & Trust holds $986 million in total assets, ranking 4th of 56 banks we track in South Dakota. It operates 7 branches.
Does Pioneer Bank & Trust have CFPB complaints?
No CFPB complaints against Pioneer Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
