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About Us

What Makes Us Different

Giving back to the communities we serve

There was a time in America when banks were created for the sole purpose of serving their neighbors; helping them finance their homes, protect their savings and plan for their futures. All decisions were made for the good of our customers, our community and our employees. These principles are the foundation of a community bank, the same values upon which Pioneer Bank was formed.

Today, Pioneer Bank is the only mutual bank serving the Capital Region of Upstate New York, and we have held firm to our belief that the customer, our employees and our community should come first. We will never need a federal bailout because we act and lend responsibly. It's a practice that sets us apart from the other banks and a commitment we're proud to uphold.

How Pioneer Bank works for you
  • Individualized, customized branches that go beyond banking to meet the needs of the communities they serve.
  • Leading edge technology with a full array of secure, innovative banking products that save time and money.
  • Simply put, decision making is by people who live and work in your community - not someone who has to call HQ outside our community.
  • The highest standard in strength and stability, earning a Five Star rating from Bauer Financial Inc. each quarter for more than 25 years; an accomplishment that fewer than 5% of banks in the country can claim.

Giving Back

Making a difference in the communities we serve

Pioneer Bank's Making Change Committee provides financial support and encourages involvement in the communities we serve, with a focus on enhancing the lives of our youth. Our employees generously give their time to take a leadership role in setting the direction for our charitable giving and volunteer efforts. Every year, our committee members, coworkers, family and friends participate in fund-raising and charity events throughout the area, raising thousands of dollars to help local organizations.

Through the Pioneer Bank Foundation, we are able to provide even more support to those in our community and fulfill our mission of "helping kids be kids."

To make a charitable request, you must establish an employee link prior to the request being completed. The employee can assist you with submitting your request to the committee.

Some of the causes that we have contributed to:

  • Food Pantries
  • Illness Fundraisers
  • Relief Agencies
  • Community Organizations
  • Youth Sports Teams

History

Founded for the financial strength of the community

Pioneer Bank was founded in 1889 to serve the city of Troy, New York and its residents. At that time, banks were created for the people of the community, to promote savings, encourage home ownership and provide financial support to help people build a better life. These were the principles behind the mutual bank model; a financial institution whose management decisions were made for the good of the customer and whose success benefited the entire community.

Over the next 100 years, Pioneer Bank continued to grow, expanding our capabilities and reach, but always with the same values and a deep respect for our founding principles. From a single office open one evening a week, to constructing our new Headquarters, Pioneer Bank reached out to serve a larger community and create more jobs and opportunities for our neighbors.

Many other banks followed a different model, guiding their business to provide financial returns for investors and stockholders. We held firm to our belief that the customer, our employees and our community should come first. And now, in the 21st century, Pioneer Bank is the only mutual bank serving the Capital Region of New York, a proud distinction that sets us apart from other banks.

Today, Pioneer Bank offers our customers a comprehensive array of products and services, with competitive rates and the latest banking options. We have a suite of sophisticated, secure and easy to use eBanking tools, mobile banking apps and other tools to help customers save time and do more with their money. We have branch offices and ATMs throughout our area, some offering special services to fill community needs. And we're a leader in local lending, with fast, local decisions from people who know the area and go beyond expectations to make the deal happen.

Milestones in Pioneer Bank's History:

1889: A group of printers employed by a local newspaper, the Troy Daily Press, consulted with their employer, Henry O'Reilly Tucker, about the possibility of establishing a building loan and savings association to encourage the practice of saving. On March 7, 1889, the Pioneer Building Loan and Savings Association of Troy was incorporated. Five days later, on March 12, 1889, Pioneer opened for business. The premise was simple: anyone could become a member of the Association by completing applications on any Tuesday evening and paying an initiation fee of 50¢. Members could then invest in "shares," and allowed the privilege of borrowing for the purpose of purchasing real estate. The first loan was actually made one week after the Association was opened, for $2000.00 to a man named Knauffman, at 5% interest with a 3¢ premium per share.

1914: Pioneer expands hours of operation from one evening a week to Monday and Tuesday evenings.

1915: After 27 years of leasing business space, Pioneer purchased its own building at 30 Second Street from R.P.I. for $11,000.00.

1950: Pioneer moved their Main Office a few doors down to 21 Second Street. Pioneer purchased the building from the Niagara Mohawk Power Corporation; a building originally constructed in 1914 for the Troy Gas Company.

1953: Installation of a sophisticated (for its time) IBM data processing system.

1958: Pioneer opened a second office in Latham on June 2nd, 1958.

1972: Conversion from a savings and loan association to a savings bank. Watervliet office opened; SBLI Department opened.

1973: Rotterdam office opened.

1976: Installation of first online computer terminals, linking the bank to an off-site shared service center. Transactions were posted live and the effects of deposits, withdrawals, holds and payments were instantaneous on customer account balances.

1976: Pioneer introduced to its customers the precursor of today's checking and NOW accounts - the Payment Order Account. With this product, our original Checking Department area was created.

1981: Consumer lending powers were granted to savings banks in New York State.

1987: Introduction of the home equity loan.

1995: First ATM was installed in our Watervliet office.

1996: Clifton Park West and Malta offices opened

1997: PSB Financial Services Inc. was formed.

1999: Installation of a new computer network and processing system to ensure our ability to effectively compete in the 21st century. Debit cards were offered for the first time to checking account customers. Wynantskill office opened.

2000: PSBFSI began offering a variety of other investment products by obtaining approval to sell mutual funds and securities. Brunswick office opened.

2001: Glenmont office opened.

2002: Waterford office opened.

2003: Addition of online banking, overdraft protection and commercial lending products. Colonie office opened.

2004: East Greenbush office and Green Island office opened.

2005: Albany office opened.

2007: Guilderland office opened.

2008: Pioneer Savings Bank assumed the name of Pioneer Bank, a full service bank serving individuals and businesses in the Capital Region.

2009: Pioneer Bank began using a "Proof of Deposit" (POD) technology to streamline check processing and improve processes.

2010: Delmar office opened despite the country enduring a recession.

2013Clifton Park East office opened with a unique layout unlike any other bank. The branch includes a retail shop, digital picture printer, copy center and coin counter. This location is Pioneer's first USPS approved shipper branch. Albany office is relocated to 90 State Street with a modern layout.

2015Glenmont office was updated to include a modern layout, conference room, and The Shops. Schenectady office opened and included Pioneer's first ITM (Interactive Teller Machine). This technology is the first of its kind in the Capital Region.

2016: Pioneer begins to grow rapidly. A partnership with Homestead Funding Corp. allows Pioneer to offer a wider range of mortgage products to homebuyers. Pioneer acquires Anchor Agency, Inc., a Capital Region based insurance agency, giving Pioneer the ability to offer a comprehensive line of insurance products to its commercial and retail customers. Pioneer also expands its footprint into Greene County with the acquisition of bank branches in Cairo and Greenville. Pioneer moves to its new state-of-the-art Headquarters in Colonie, NY. The building was constructed specifically for Pioneer Bank and includes retail space for businesses to lease as well as the Wolf Road office

2017: Keeping busy, Pioneer opened offices in Cohoes and Queensbury, remodeled the Watervliet office, and relocated the East Greenbush office to Greenbush Commons. In the process, added 3 more ITMs, acquired an Employee Benefits division (Pioneer Benefits Consulting), launched a new website, introduced new retail eBanking and checking products, as well as added increased benefits to Pioneer Perks. Pioneer Bank was also named Albany Business Review’s Best Places to Work for the 5th year in a row!

2018: Brunswick and Wynantskill offices remodeled. Pioneer Bank launches the Pioneer Bank Foundation committed to “helping kids be kids” and it held its first signature event – the Grand Carnival. Pioneer Bank was also named Albany Business Review’s Best Places to Work for the 6th year in a row and Pioneer’s headquarters, Pioneer Plaza, received the Building of the Year award from the Capital Region Building Owners and Managers Association (CRBOMA).

Board of Trustees

Madeline (Lyn) Taylor - Chairman of the Board

Madeline Taylor

Lyn was elected to the Pioneer Bank Board of Trustees on July 15, 2003. She currently serves on the Bank's Examining, Board Loan, Risk and HR/Compensation Committees. She also serves as a Director on the Board of Pioneer Commercial Bank. Lyn is a consultant to the Association Management Division of Capital Hill Management Services where she is involved in Business Development and Client Relations. Prior to this, Lyn spent seventeen years with the Albany-Colonie Regional Chamber of Commerce where she served in various executive level positions, the last seven years of which were as President and Chief Executive Officer of the Chamber. It is during her tenure as Chamber President that Lyn is credited with spearheading the "Tech Valley" initiative of the Capital Region and became a founding member of the Tech Valley Chamber Coalition. Lyn has a history of being involved in the community, serving on the boards of the New York State Economic Development Council, the Empire State Certified Development Corporation, the Albany Academy for Girls, Albany Memorial and Samaritan Hospitals and as a member of the President's Council of Russell Sage College.

She was appointed by former Governor George Pataki to serve on the Board of the Harriman Campus Development Corp. Lyn has been the recipient of several awards, including being named one of the "100 Women of Excellence" by the Women's Business Council of the Albany-Colonie Chamber, the Marketer of the Year by the American Marketing Association, Distinguished Leadership Award by the National Association for Community Leadership and was featured as a "Woman in the News" by the Women's Press Club of New York State. Lyn travels frequently between the East and West Coast, recently establishing residence in California with her husband Allen.

Eileen Bagnoli

Eileen Bagnoli

Eileen was elected to the Pioneer Bank Board of Trustees on July 20, 2010. Eileen currently serves on the Bank's Board Loan, Risk and HR/Compensation Committees. She also serves as a Director on the Board of Pioneer Commercial Bank. Eileen joined Pioneer in 1972 and during her tenure held progressively responsible positions at Pioneer in retail branch management, marketing, human resources and operations. Eileen was named Executive Vice President and Chief Operating Officer in 2003 and promoted to President and Chief Executive Officer in June 2010. Eileen retired from Pioneer at the end of June 2013 after a 41 year career with the Bank.

Eileen was actively involved in the New York Bankers Association as well as the Independent Bankers Association of New York State. She served as a director and past board chair of the Commission on Economic Opportunity and the New York State Higher Education Services Corporation Board and additionally served for over twenty-two years on the board of the Helping Hands School. In 2008, she was honored for her distinguished career with the "Women of Excellence" award by the Albany-Colonie Regional Chamber of Commerce and in 2010 was the recipient of the Capital District Business Review's Women in Business Outstanding Executive award. Eileen currently serves on the board of WMHT. Eileen lives locally with her husband, Richard.

Donald E. Fane

Donald Fane

Don was elected to the Pioneer Bank Board of Trustees on January 17, 2006. Don currently serves on the Bank's Examining, Board Loan, Risk and HR/Compensation Committees. He also serves as a Director on the Board of Pioneer Commercial Bank. Don is the President of Callanan Industries, Inc., a leading supplier of asphaltic concrete, aggregates, ready mix concrete and construction services in New York State.

Prior to being named President in 2014, Don held the position of Executive Vice President at Callanan. He also serves as President of Clemente Latham Concrete. Don is involved in and serves on various local boards including Hudson Valley Community College and the Lansingburgh Boys & Girls Club. He formerly served on the board of Seton Health Foundation, the Historic Troy 20/20 Group and the Troy Savings Bank Music Hall. He is the former Commissioner of the Spiegleltown Fire Company. In 1999, Don was bestowed with the "Uncle Sam Citizen of the Year" Award, in 2003 the Troy Police Benevolent Association's "Gold Shield Award" and in 2006 the Rensselaer County Boy Scout's "Good Scout Award". Don resides in Troy with his wife Lisa.

Shaun Mahoney

Shaun Mahoney

For more than 30 years Shaun Mahoney has been passionate about Leadership Development. He is the Founder and CEO of the Mahoney Performance Institute and is the current Chairman of NextRidge, Inc. He has also served in a number of management and executive roles at private and public companies such as The Chase Manhattan Bank, Equifax, and Housecall Medical Resources.

As founder of the MPI, Mr. Mahoney has developed a continuum of leadership development programs from personal leadership for employees to rising managers through senior management. There are over 450 alumni of MPI’s Leadership Programs in the Capital Region.

Mr. Mahoney is a board member for the Center of Economic Growth, NextRidge Inc., a member of the Albany 50 Group and the former Chairman of the Dean’s Advisory Council for the Siena College School of Business. Mr. Mahoney is a graduate of Fordham University and is also a Chartered Financial Analyst (CFA).

Dr. James K. Reed

Dr. James K. Reed

Dr. James K. Reed, president and CEO of St. Peter’s Health Partners, was appointed to the Pioneer Bank Board of Trustees in April 2017. He has replaced Charles C. Freihofer III, whose term expired after 23 years on the Board of Trustees. Named president and CEO of St. Peter’s Health Partners upon the merger of Northeast Health, Seton Health and St. Peter’s Health Care Services. Since that time, Dr. Reed has overseen the management and growth of the region’s largest and most comprehensive not-for-profit network of high-quality, advanced medical care, primary care, rehabilitation and senior services.

Dr. Reed received his undergraduate degree in economics from Amherst College, then attended the Wharton School where he received his MBA. He has held a number of high level finance positions including Director of Corporate Finance at International Paper Company, and Director of Acquisitions and Divestitures at Union Pacific Corporation. He then went on to become the Chief Medical Officer of Northeast Health, ultimately taking on the responsibilities and title of President and CEO.

Dr. Reed is also a board officer of the Medical Liability Mutual Insurance Company (MLMIC), board and Executive Committee member of the CEG, board member of HealthNow New York Inc., and Capital Region Chamber of Commerce.

Edward Reinfurt

Edward Reinfurt

Ed was elected to the Pioneer Bank Board of Trustees on November 21, 2006. Ed currently serves on the Bank's Examining, Board Loan, Risk and HR/Compensation Committees. He also serves as a Director on the Board of Pioneer Commercial Bank. Ed was the Director of the Empire State Development Division of Science, Technology and Innovation (NYSTAR), retiring from this position in February 2014.

Prior to his appointment at NYSTAR, Ed was Vice President of The Business Council of New York State for twenty seven years. He also served in the capacity of Director of Government Affairs for both the Carrier Corporation and Associated Industries of New York State. During his career, Ed has spent considerable time on a wide variety of public policy issues. He was a member of the New York State Department of Health's Committee on Public Health Priorities, the Governor's Task Force to Restructure Employment, Health and Social Services, and the Accountability Team of the Labor and Education Department's joint committee reviewing the State's Workforce Development System. Ed served as past chair and board member of Northeast Health, Inc. and currently serves as Vice Chairman of "Kids Count" in Watervliet. Ed lives locally in Albany.

Executive Management Team

Thomas Amell

Thomas Amell
President/Chief Executive Officer & Board Member

After graduating from Siena College in 1989, Tom accepted a position at a local bank, beginning what would become a very successful career in banking. Tom has worked in different areas of banking including retail and commercial, sales management and executive leadership. He began at the Bank in August 2012. As President and CEO, Tom's primary role is to provide executive level leadership to the team by helping to develop strategy, motivate employees and to remove barriers so people can be successful. He is passionate about building an organization that is centered on employee engagement and customer loyalty.

Among the many awards Tom has achieved throughout his career, the ones that stand out for him include the Albany Business Review's "40 Under 40", the AMA of NY Capital Region Chapter’s “Marketer of Excellence”, Hudson Valley Community College's "Otto V. Guenther Career Achievement Award", the Big Brothers'/Big Sisters' "Spirits of September Honoree", the 2015 Champion for Children Award from Northern Rivers and the 2018 Legacy Award from the Northeast Kidney Foundation.

Tom is currently a member of the 50 Group, the Chair of CEG, Trustee of Siena College Board of Trustees, Chair of the Independent Bankers Association of New York and a Board of Director of the New York State Bankers Association.

Tom earned a BS in business administration at Siena College and a master's degree from SUNY Albany in 1992. He resides in Ballston Lake with his wife, Chris, and son, Jake, and enjoys skiing, golfing and spending time with friends and family.

Frank Sarratori

Frank Sarratori
Executive Vice President & Chief Administrative Officer

Frank started his banking career in a private legal practice where he worked in real estate financing and banking regulation. His position with Pioneer was a natural progression of that experience based on his years of representing the Bank in private practice. He considers the day he became a part of the Bank one of his professional highlights; a position that continues to challenge and inspire him.

As a member of the executive management team, Frank is the Board appointed Bank Attorney, Frank is responsible for the oversight of the daily administration of the Bank, as well is the acting Chief Information Officer. Frank oversees Board Governance, Deposit Operations, The Office of Project Management, Information Technology, and Legal and Facilities Departments. In that capacity, Frank also administers all business services agreements and provides general counsel to the Bank. In his tenure at the Bank, Frank managed the construction of the Bank’s new Headquarters, works extensively on branch acquisitions, branch redevelopment/innovation, bank real estate transactions, and all leasing and tenant relationships including project management of all bank strategic initiatives, including mergers and acquisitions.  Frank is a frequent lecturer on mortgage finance and real estate law for various trade associations and board governance.

Frank graduated from the University at Albany, cum laude, with a BA in political science and a minor in communications. He graduated Albany Law School and was admitted to the New York State Bar in 1991. Frank also received a degree from the National School of Banking with honors.

Active in the community, Frank serves on many boards, including: past chairman and  member of the executive committee of the Board of the Unity House of Troy, chairman of the Hudson Valley Community College Foundation, past co-chair of Mortgage Finance for the New York State Real Property Law Section, past co-chair of the Compliance Peer Council for the Independent Bankers Association of New York State (IBANYS), and past board member & treasurer of the Troy Community Land Bank Corporation and past Board member of the Rensselaer County Historical Society.

Frank lives in Loudonville with his wife, Chrissy, and their three children, Isabella, Ellianna and Roman. An active father, he shares his children's hobbies: his daughters' love of dance and theater, his son's various activities from sports to theater.

Jesse Tomczak

Jesse Tomczak
Executive Vice President & Chief Customer Experience Officer

Jesse brings 18 years of financial experience to his role at Pioneer Bank, having managed virtually all disciplines within the financial services industry, including commercial lending, retail branch banking, and investment banking.

As Chief Customer Experience Officer and a member of executive management since 2013, Jesse is responsible for the retail network, Pioneer's financial services division, mortgage origination, and community outreach. He describes himself as a "very hands-on executive," spending a great deal of his time with the frontline individuals, the folks who have first-hand interactions with our customers. He enjoys bringing the Bank's strategic vision to the individuals ultimately responsible for delivering that vision to the public. He lists the highlights of his banking career as those moments when his team members' accomplishments exceeded their expectations. Those moments continue to motivate him to give his all each and every day. Jesse received a bachelor's degree in industrial management and human resource management from the University of Akron.

Jesse volunteers for Junior Achievement, local church events, and the Schenectady City Mission. He is very involved in his children's school life through volunteering, coaching, and chaperoning field trips. Jesse lives in Eagle Bridge, NY, with his wife Amanda, four kids, two dogs and too many cats. He likes to spend time with his family, loves the outdoors, and can never get enough football (either watching his boys or the Dallas Cowboys).

Joseph Fleming

Joseph Fleming
Executive Vice President & Chief Lending Officer

Joe began his career with Pioneer Bank as a Management Trainee in 1985.  He moved on to Key Bank N.A. and then went on to Bombardier Capital Inc. in Colchester, Vermont.  He resumed his career with Pioneer as the Commercial Credit Manager in 2002.  Joe then joined the executive management team in his current role.

Joe oversees Lending and Credit.  He is responsible for Bank-wide credit quality, management of the commercial lending team, residential and consumer lending, collections, and loan operations.  Joe works with management and staff to drive loan growth while maintaining strong credit quality. 

Joe earned his Bachelor’s in Business Management from Empire State College.  He graduated with honors from American Banking Association’s National School of Banking at Fairfield University.  Joe resides in Wilton, NY.  He is the Board President of Troy Area United Ministries.  He holds a board seat on the Pioneer Bank Charitable Foundation.

Susan Hollister

Susan Hollister
Executive Vice President & Chief Human Resources Officer

Susan joined the Pioneer Bank Executive team as EVP, Chief Human Resources Officer in 2016.  Prior to joining Pioneer, Susan held the position of Senior HR Manager for First Niagara Bank, Chief Human Resources Officer for Hudson River Bank & Trust Co. and Chief Human Resources Officer for National Savings Bank of Albany. 

At Pioneer Bank, Susan is responsible for the development and implementation of a human resource strategy in support of the overall business plan and strategic direction of Pioneer Bank.  Susan holds a degree in Business Administration from the State University of New York and a Senior Level Certification through the Society of Human Resources Management.  Additionally, Susan Co-Chairs the Pioneer Bank Charitable Foundation and serves on the Board of Directors for the Northeastern New York Chapter of the Cystic Fibrosis Foundation.  Susan resides in Kinderhook, with her Husband. They have two grown children.

Patrick Hughes

Pat Hughes
Executive Vice President & Chief Financial Officer

Patrick joined Pioneer Bank in November 2016 as Chief Financial Officer. In that role, Patrick is a member of executive management where his responsibilities include strategic planning, as well as overseeing all financial operations of the Bank and its subsidiaries including asset liability management, financial reporting, accounting, and tax. In addition, he advises the Board of Trustees and management on the Bank’s on-going financial performance, as well as forecasting future operating results.

Patrick comes to Pioneer Bank with considerable industry expertise. He has garnered a professional reputation for developing organizational vision and future growth, as well as reviewing and executing strategic initiatives and best practice approaches to company operations. Prior to joining Pioneer Bank, Patrick spent 20 years with UHY Advisors / UHY LLP, one of the nation’s leading professional services firms, where he was a trusted advisor to a variety of clients in the public and private sectors while specializing in the financial services industry. For the last 10 years with the firm he served as a Managing Director and Partner, during which he oversaw the firm’s National Financial Services practice. 

Patrick is a Certified Public Accountant and also holds the Chartered Global Management Accountant designation. He is a member of the American Institute of Certified Public Accountants and New York State Society of Certified Public Accountants. Patrick earned a Bachelor of Science degree in Accounting from the State University of New York, College at Brockport.  Among the awards that Patrick has received throughout his career, one of the most memorable achievements was being named one of the region’s rising stars with the “40 Under 40” award from the Albany Business Review.

Patrick is actively involved in the community and currently serves on a number of local boards including Vanderheyden Hall and Siena College. Patrick is a lifelong Capital Region resident and resides in Brunswick. He enjoys spending time with his kids, biking, and the outdoors.

Laura Mazzara

Laura Mazzara
Executive Vice President & Chief Risk Officer

Laura began her career with Pioneer Bank as a staff accountant in 1987. She later relocated to Boston, where she pursued Investment Accounting with the Federal Home Loan Bank. After several years there, Laura returned to settle in the Capital Region. She resumed her career with Pioneer, working first in the Finance Department before accepting a position as the Director of Internal Audit. Laura managed the Internal Audit function for several years, eventually serving as Vice President and Senior Auditor. Following her tenure with Internal Audit, she joined the executive management team where she currently serves as the Chief Risk Officer.

Laura oversees Compliance, Fraud and Anti-Money Laundering, Information Security, and Internal Audit. She is responsible for the implementation, development, and ongoing oversight of the bank's Enterprise Risk Management Program. Laura works with management and staff to identify, measure and monitor areas of greatest risk, and to limit exposure through effective controls and appropriate oversight. She chairs the ERM (Enterprise Risk Management) Committee, and actively participates in several other management and board level committees. She reports to the Board of Trustees regularly on the status of significant risk related issues and overall exposure bank wide. Laura also serves as liaison to the FDIC and the New York State Department of Financial Services, facilitating the completion of regulatory examinations.

Laura earned a Bachelor's degree in Accounting from Siena College, and later completed graduate studies with the National School of Banking at Fairfield University, from which she graduated in 2005. A long time Rensselaer County resident, Laura lives with her husband in Averill Park. She is a former board member of ROUSE, Inc. and the Averill Park Education Foundation, and currently holds a board seat on the Pioneer Bank Charitable Foundation and Make-A-Wish, Northeast New York.

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Pocket Change

Start saving today by enrolling in Pocket Change. Each purchase made using your Pioneer Bank debit card will round up to the nearest dollar and the balance - your Pocket Change - will automatically be transferred to your Pioneer Savings account.

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