| Metric | Pioneer Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.8 pts |
| Loan growth (YoY) | +3.7% | +5.9% | -2.3 pts |
| ROA | 1.50% | 1.26% | +0.2 pts |
| ROE | 14.8% | 12.2% | +2.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.01B | $896.5M | $542.5M | $105.2M | $7.5M | 1.50% | 3.86% | 0.08% |
| Q1 2026 | $985.9M | $874.1M | $545.5M | $101.9M | $4.0M | 1.62% | 3.88% | 0.01% |
| Q4 2025 | $1.01B | $906.0M | $531.1M | $98.4M | $13.4M | 1.38% | 3.70% | 0.02% |
| Q3 2025 | $967.6M | $848.8M | $535.8M | $97.7M | $10.5M | 1.46% | 3.65% | 0.08% |
| Q2 2025 | $958.7M | $859.6M | $523.4M | $91.2M | $6.4M | 1.33% | 3.55% | 0.00% |
| Q1 2025 | $957.4M | $829.2M | $521.1M | $85.8M | $2.8M | 1.19% | 3.47% | 0.00% |
| Q4 2024 | $952.8M | $863.5M | $498.3M | $80.3M | $10.4M | 1.04% | 2.81% | 0.00% |
| Q3 2024 | $1.00B | $816.6M | $496.2M | $84.9M | $8.0M | 1.05% | 2.64% | 0.03% |
Loan mix (Q2 2026): real estate $368.6M · commercial $110.1M · consumer $10.0M · securities $326.5M
| Ratio | Pioneer Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.26% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 59.0% | 24th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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.