Bank · FDIC insured
Pioneer State Bank
A $133.5M bank headquartered in Deer Lodge, MT, with 2 branches in Montana. Best rates: CDs 3.82% and savings 1.28% APY.
Pioneer State Bank Carrot Score
77
Carrot Score
Higher than 43% of U.S. banks and credit unions
#29 of 47 in MontanaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Pioneer State Bank
Founded in 1912, Pioneer State Bank serves Montana communities with branch offices located in Dillon and Deer Lodge.
- Headquarters
- 202 N Main St, Deer Lodge, MT 59722
- FDIC certificate
- 29517 ↗
Branches
2 branches in Montana
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Montana
2 branches
Deer Lodge area · 1
- Pioneer State BankMain office202 N Main St, Deer Lodge, MT 59722Directions
Dillon area · 1
- Dillon Branch32 N Washington St, Dillon, MT 59725Directions
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 | 16.80% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.59% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -2.15% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio16.80%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.59%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-2.15%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.