| Metric | Pioneer Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +5.5% | -3.5 pts |
| Deposit growth (YoY) | +0.4% | +5.1% | -4.7 pts |
| Loan growth (YoY) | +1.9% | +5.9% | -4.0 pts |
| ROA | 2.58% | 1.26% | +1.3 pts |
| ROE | 25.1% | 12.2% | +13.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.09B | $850.8M | $615.4M | $116.2M | $14.3M | 2.58% | 4.92% | 1.20% |
| Q1 2026 | $1.09B | $825.1M | $657.6M | $111.4M | $6.3M | 2.28% | 4.78% | 1.57% |
| Q4 2025 | $1.13B | $844.3M | $645.1M | $112.7M | $23.3M | 2.19% | 5.09% | 1.17% |
| Q3 2025 | $1.10B | $818.6M | $618.1M | $107.1M | $17.3M | 2.20% | 5.15% | 1.27% |
| Q2 2025 | $1.07B | $847.4M | $603.7M | $101.3M | $11.7M | 2.27% | 5.14% | 1.49% |
| Q1 2025 | $1.04B | $828.0M | $574.6M | $94.9M | $5.4M | 2.14% | 5.16% | 1.40% |
| Q4 2024 | $982.8M | $764.9M | $544.2M | $87.2M | $18.9M | 1.85% | 4.87% | 1.64% |
| Q3 2024 | $1.06B | $814.2M | $495.2M | $93.5M | $15.2M | 1.96% | 4.77% | 1.98% |
Loan mix (Q2 2026): real estate $490.7M · commercial $129.5M · consumer $5.5M · securities $325.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.58% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 25.1% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.92% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 59.0% | 23th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.