Farm with Mountain Backdrop

About Us

Big enough to do it all and small enough to know you by name.

Early in the spring of 1909, a group of farmers and merchants gathered to establish a bank in a small Virginia town known then as Stanleyton. On December 3, 1909, Farmers & Merchants Bank, Inc. opened for business with ten thousand dollars in capital stock. Over one hundred-ten years later, this independent and locally-owned bank, still serving its neighbors in Page County, was renamed Pioneer Bank.

Why Pioneer?

Pioneers break new ground and blaze trails that others follow. Alongside their neighbors, pioneers build communities with a collaborative can-do energy.

This pioneering spirit, as important today as it was when the Bank was first established, is at the heart of all we do. Pioneer Bank is independent, community-owned, and committed to the well-being and economic advancement of the Shenandoah Valley and Central Piedmont regions of Virginia.


To our customers and neighbors, we promise quality products and services customized to their needs and delivered with courtesy and respect

To our staff, we commit to meaningful employment with good pay and benefits in a safe and professional workplace.

To our shareholders, we ensure a safe investment with a good rate of return in the form of regular dividends and long-term appreciation.


We believe in integrity, community, and excellence, applying these values to everything we do.


Trust is imperative to a successful banking relationship. Customers can rely on the information we provide and can count on us to tell the truth. We are forthright in our business dealings and operate with the customer’s best interest in mind.


An independent, locally-owned institution, we are committed to meeting the current and future financial needs of customers in our communities from generation to generation. We value the unique character of each community we serve and contribute to the quality of life with professional opportunities through employment and support of small businesses.


We keep our promises: if we say we will do something, we deliver. As technology advances and the financial landscape changes, we advance with the times. We hold ourselves to high customer service standards, always treating people with respect and courtesy. We go the extra mile for our customers.