Pioneer Bank was founded in 1885 as a state bank and reorganized in 1889. Its officers included President Frederick Howard, Vice President Albert Sholes, and Cashier Charles W. Ballard. In 1903 the lot was purchased from Sholes, and soon afterward the board selected Bay City architects Clark & Munger to design new offices. A bank was partially constructed but burned before completion. The present classical-inspired structure replaced the original and opened in 1906. In 1982 the bank was listed in the National Register of Historic Places.