What Makes Us Different

Pioneer Bank serves our community, not stockholders

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 mutual 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. While other banks focus on returning value to shareholders and investors, 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.