| Metric | Pioneer State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.0% | +4.4% | +13.7 pts |
| Deposit growth (YoY) | +16.8% | +4.0% | +12.8 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.7 pts |
| ROA | -2.15% | 1.24% | -3.4 pts |
| ROE | -13.7% | 11.9% | -25.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.5M | $100.5M | $92.2M | $22.5M | $-1.3M | -2.15% | 3.22% | 0.41% |
| Q1 2026 | $122.0M | $95.2M | $90.6M | $18.2M | $-230K | -0.76% | 3.33% | 0.04% |
| Q4 2025 | $120.0M | $92.9M | $89.8M | $18.5M | $-176K | -0.15% | 3.36% | 0.00% |
| Q3 2025 | $118.9M | $91.6M | $87.0M | $18.4M | $-157K | -0.18% | 3.37% | 0.39% |
| Q2 2025 | $113.2M | $86.1M | $85.1M | $18.4M | $-138K | -0.25% | 3.34% | 0.05% |
| Q1 2025 | $111.6M | $84.7M | $86.2M | $18.3M | $-200K | -0.71% | 3.23% | 0.05% |
| Q4 2024 | $112.3M | $85.3M | $86.3M | $18.4M | $424K | 0.38% | 3.07% | 0.76% |
| Q3 2024 | $112.8M | $85.5M | $85.8M | $18.5M | $366K | 0.43% | 3.06% | 0.47% |
Loan mix (Q2 2026): real estate $89.6M · commercial $2.7M · consumer $985K · securities $10.1M
| Ratio | Pioneer State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.15% | 1.24% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -13.7% | 11.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 193.3% | 62.9% | 100th |
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 State 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 State 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 State 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 State 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.