| Metric | Pioneer Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.1 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.1 pts |
| ROA | 2.81% | 1.24% | +1.6 pts |
| ROE | 24.9% | 11.9% | +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 | $371.8M | $296.2M | $287.5M | $43.5M | $5.1M | 2.81% | 4.63% | 0.02% |
| Q1 2026 | $362.8M | $290.4M | $282.7M | $40.2M | $1.5M | 1.62% | 4.48% | 0.05% |
| Q4 2025 | $354.2M | $283.3M | $287.7M | $39.0M | $4.1M | 1.17% | 4.16% | 0.06% |
| Q3 2025 | $345.6M | $282.9M | $275.5M | $38.0M | $3.1M | 1.20% | 4.06% | 0.00% |
| Q2 2025 | $337.6M | $276.6M | $264.5M | $36.9M | $2.0M | 1.18% | 4.00% | 0.05% |
| Q1 2025 | $351.0M | $278.8M | $258.9M | $35.9M | $1.1M | 1.26% | 3.92% | 0.03% |
| Q4 2024 | $344.5M | $273.9M | $260.1M | $34.6M | $2.8M | 0.79% | 3.50% | 0.04% |
| Q3 2024 | $362.4M | $274.9M | $257.0M | $34.0M | $1.9M | 0.72% | 3.41% | 0.03% |
Loan mix (Q2 2026): real estate $239.3M · commercial $15.5M · consumer $16.3M · securities $60.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Pioneer Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.81% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 24.9% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 62.9% | 9th |
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.