At a glance
From its website, read 2 Nov 2026Pioneer Community Bank, Inc. is a bank or thrift based in Iaeger, West Virginia. Its website describes auto loans, commercial real estate loans, equipment loans and 2 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (304) 938-5322 source |
|---|---|
| Lending | (304) 254-8680 source |
| Website | www.pioneercommunitybank.com |
| Office (official list) | P.O. Box 368, Iaeger, WV 24844 |
What their website says about applying
we recommend that you call and schedule an appointment with a loan officer so that they can dedicate time to taking care of you and your loan application.
sourceProof of Income, including most recent paystubs, two years of W-2s, or Tax Returns
sourceLast two months Bank Account Statements
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Term: see their wording | You can choose up to a 30 year term. | source |
| Home mortgages | Term: see their wording | You can choose a term between 10 - 30 years. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2026 |
| RSSD ID | 294827 |
| Address | P.O. Box 368, Iaeger, WV 24844 Directions to the main office (Google Maps) |
| Website | www.pioneercommunitybank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Service area, loan amounts and online loan application were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | PCB offers both commercial and consumer loans. From personal loans, to autos, real estate, and many others. | source |
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| Equipment loans | — | Equipment & Inventory Financing | source |
| Home mortgages | — | We offer Adjustable and Fixed Rate Mortgages with various terms | source |
| Personal / consumer loans | — | With a great selection of financing options, including secured or unsecured loans, we can even tailor your loan to meet your specific needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.pioneercommunitybank.com/
- https://www.pioneercommunitybank.com/business-loans
- https://www.pioneercommunitybank.com/mortgage-loans-home-loans
- https://www.pioneercommunitybank.com/personal-loans-auto-loans
- https://www.pioneercommunitybank.com/best-cd-rates
- https://www.pioneercommunitybank.com/business-banking
- https://www.pioneercommunitybank.com/overdraftservices
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $15,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Pioneer Community Bank, Inc. (FDIC cert 2448). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $191.1 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
West Virginia (6 offices)
- McDowell County (3): 5229 Coal Heritage Road, Iaeger 24844 (main office); 14229 Rocket Boys Dr, War 24892; 18710 Coal Heritage Rd, Welch 24801
- Raleigh County (3): 1901 Harper Rd, Beckley 25801; 3941 Robert C Byrd Dr, Beckley 25801; 822 Robert C Byrd Dr, Sophia 25921
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Pioneer Community Bank, Inc. (RSSD 294827, FDIC cert 2448). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $140.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 6.9% from $131.7 million on 30 Jun 2025 |
| Total assets | $191.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $74 million | 52.5% |
| Home equity lines of credit | $1.1 million | 0.8% |
| Commercial real estate, construction and multifamily | $45.7 million | 32.4% |
| Commercial and industrial (business) loans | $14.4 million | 10.3% |
| Consumer loans (credit cards, auto, other) | $5.7 million | 4.0% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $2.6 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 19 loans $1.3 million | 18 loans $877,000 |
| $100,001 to $250,000 | 28 loans $4.8 million | 2 loans $234,000 |
| $250,001 to $1 million | 32 loans $14.6 million | 5 loans $1.6 million |
| All small business loans | 79 loans $20.7 million | 25 loans $2.7 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Pioneer Community Bank, Inc. reported 100 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $13.2M (median loan about $95,000). 54 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 54 | 54% |
| Refinance (incl. 29 cash-out) | 30 | 30% |
| Home improvement | 6 | 6.0% |
| Other purpose | 10 | 10% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 100 | 100% |
Included above: 29 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 8 counties with at least one; 100% of its 2025 loans were for properties in West Virginia:
- Raleigh County, WV (51)
- Fayette County, WV (20)
- Wyoming County, WV (13)
- McDowell County, WV (5)
- Nicholas County, WV (4)
- Mercer County, WV (3)
Filed under LEI 549300ZZ7K4DPF84PF16 as “Pioneer Community Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $191.1 million | Larger than 38% of the 8 other certified banks and bank holding companies in West Virginia (median $201.4 million). |
| Loans as a share of assets | 74% | Median of the same 8 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $131.7 million → $140.8 million (+7%) | Median change of 8 other certified banks and bank holding companies in West Virginia: +7%. Rank by loans held among these 9: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 100 | More than 44% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in West Virginia | 8 | larger than 38% |
| Loans held then vs now | certified banks and bank holding companies in West Virginia reporting both dates | 8 | rank 5 → 5 of 9 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 44% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Iaeger and West Virginia
- Pioneer Community Group, Inc.Bank holding company · Iaeger, WVOfficial list only
- Calhoun County Bank, Inc.Bank or thrift · Grantsville, WVAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Element Federal Credit UnionCredit union · Charleston, WVAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Personal / consumer loansVerified
- FNB Bank, IncorporatedBank or thrift · Romney, WVAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…Verified
- Partner Community Capital, Inc.Loan fund · Charles Town, WVAgriculture / farm loans, Commercial real estate loans, Equipment loans, Microloans…Verified
- Whitesville State BankBank or thrift · Whitesville, WVAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Personal / consumer loans…Verified
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