Bank · FDIC insured
Pioneer
A $2.3B bank headquartered in Albany, NY, with 22 branches in New York. Best rates: CDs 3.75% and savings 3.50% APY.
Pioneer Carrot Score
73
Carrot Score
Higher than 35% of U.S. banks and credit unions
#12 of 25 in Albany, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pioneer
Pioneer was founded in 1889 to encourage the practice of saving and for the financial strength of the community.
In 2024, Pioneer became chartered through the Office of the Comptroller of the Currency under the name Pioneer Bank, National Association.
Pioneer operates within New York's Greater Capital Region.
- Headquarters
- 652 Albany Shaker Rd, Albany, NY 12211
- FDIC certificate
- 20741 ↗
Branches
22 branches in New York
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New York
22 branches
Albany area · 18
- Pioneer Bank, National AssociationMain office652 Albany Shaker Rd, Albany, NY 12211Directions
- Albany Branch90 State St, Albany, NY 12207Directions
- Colonie Branch1770 Central Ave, Albany, NY 12205Directions
- Guilderland Office1883 Western Ave, Albany, NY 12203Directions
- Clifton Park Branch843 Route 146, Clifton Park, NY 12065Directions
- Cohoes Branch100 Mohawk St, Cohoes, NY 12047Directions
- Delmar Branch184 Delaware Ave, Delmar, NY 12054Directions
- Glenmont Branch329 Glenmont Rd, Glenmont, NY 12077Directions
- Latham Branch531 Troy Schenectady Rd, Latham, NY 12110Directions
- Malta Branch10 Kendall Way, Malta, NY 12020Directions
- East Greenbush Branch602 N Greenbush Rd, Rensselaer, NY 12144Directions
- Rotterdam Branch1828 Altamont Ave, Schenectady, NY 12303Directions
- Schenectady Branch426 State St, Schenectady, NY 12305Directions
- Brunswick Branch712 Hoosick Rd, Troy, NY 12180Directions
- Troy Branch21 2nd St, Troy, NY 12180Directions
- Waterford Branch142 Saratoga Ave, Waterford, NY 12188Directions
- Watervliet Branch2000 2nd Ave, Watervliet, NY 12189Directions
- Wynantskill Branch78 Main Ave, Wynantskill, NY 12198Directions
Cairo area · 1
- Cairo Branch440 Main St, Cairo, NY 12413Directions
Greenville area · 1
- Greenville Branch11565 Highway 32, Greenville, NY 12083Directions
Hudson area · 1
- Hudson Branch1 Hudson Ave, Hudson, NY 12534Directions
Glens Falls area · 1
- Queensbury Branch739 Upper Glen St, Queensbury, NY 12804Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.97% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.48% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.74% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $95 | $88 | — |
- CapitalLeverage ratio9.97%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.48%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.74%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$95Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Pioneer are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.