| Metric | Pioneer Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +4.4% | -8.7 pts |
| Deposit growth (YoY) | -8.5% | +4.0% | -12.4 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.6 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 16.8% | 11.9% | +4.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $282.8M | $243.0M | $205.6M | $29.6M | $2.4M | 1.67% | 3.70% | 0.07% |
| Q1 2026 | $295.2M | $261.8M | $200.9M | $28.4M | $1.2M | 1.59% | 3.57% | 0.06% |
| Q4 2025 | $286.1M | $253.1M | $198.4M | $27.7M | $3.7M | 1.32% | 3.23% | 0.00% |
| Q3 2025 | $279.0M | $247.2M | $189.9M | $26.7M | $2.9M | 1.36% | 3.15% | 0.00% |
| Q2 2025 | $295.8M | $265.6M | $191.9M | $25.1M | $1.9M | 1.32% | 3.06% | 0.00% |
| Q1 2025 | $286.8M | $257.5M | $192.6M | $23.9M | $859K | 1.25% | 3.00% | 0.00% |
| Q4 2024 | $263.4M | $234.3M | $189.8M | $23.3M | $2.8M | 1.09% | 3.02% | 0.00% |
| Q3 2024 | $257.3M | $228.4M | $185.8M | $23.1M | $2.1M | 1.07% | 3.01% | 0.00% |
Loan mix (Q2 2026): real estate $191.4M · commercial $15.1M · consumer $1.0M · securities $54.3M
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 62.9% | 20th |
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.