| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.5% | +3.0% | -7.5 pts |
| Deposit growth (YoY) | -5.8% | +2.5% | -8.3 pts |
| Loan growth (YoY) | +4.4% | +2.6% | +1.8 pts |
| ROA | 0.15% | 0.99% | -0.8 pts |
| ROE | 1.6% | 8.1% | -6.5 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.7M | $35.6M | $36.5M | $5.4M | $42K | 0.15% | 2.02% | 0.00% |
| Q1 2026 | $54.4M | $35.4M | $35.3M | $5.4M | $29K | 0.21% | 2.01% | 0.00% |
| Q4 2025 | $55.5M | $36.4M | $35.1M | $5.4M | $-23K | -0.04% | 1.66% | 0.00% |
| Q3 2025 | $57.3M | $37.7M | $35.5M | $5.4M | $1K | 0.00% | 1.62% | 0.00% |
| Q2 2025 | $57.2M | $37.8M | $35.0M | $5.0M | $-52K | -0.18% | 1.59% | 0.00% |
| Q1 2025 | $56.7M | $37.2M | $35.4M | $4.9M | $-10K | -0.07% | 1.57% | 0.00% |
| Q4 2024 | $55.6M | $36.2M | $35.3M | $4.7M | $-135K | -0.25% | 1.99% | 0.00% |
| Q3 2024 | $55.8M | $35.4M | $35.8M | $5.2M | $-50K | -0.12% | 2.15% | 0.00% |
Loan mix (Q2 2026): real estate $37.0M · commercial $0 · consumer $59K · securities $12.4M
| Ratio | The Pioneer Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 0.99% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 8.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 70.8% | 86th |
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 | The Pioneer Savings 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 | The Pioneer Savings 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 | The Pioneer Savings 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 | The Pioneer Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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