How profitable a bank is affects its safety and soundness. A bank can retain its earnings, increasing its capital buffer, or use them to address problematic loans, potentially making the bank better able to withstand financial shocks. Conversely, losses reduce a bank's ability to do those things.
On Bankrate's earnings test, Pioneer Trust Bank, National Association scored 28 out of a possible 30, better than the national average of 15.12.
One widely used way to measure a bank's earnings is return on equity, calculated by dividing net income (profit, basically) by total equity. Pioneer Trust Bank, National Association's most recent annualized quarterly return on equity was 19.38 percent, above the national average of 8.10 percent.
The bank earned net income of $10.6 million on total equity of $57.8 million for the twelve months ended December 31, 2017. The bank had an annualized return on average assets, or ROA, of 2.24 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.