Pilgrim Bank
Pittsburg, TX · Cert 16891 · Peer group: banks under $1B in assets in TX (n=208-211) · Pilgrim Bcorp
State charter, non-member · FDIC · 14 branches
Q2 2026
$714.6MAssets
$465.5MLoans
$578.4MDeposits
$66.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 73% of banks under $1B in assets in TX (rank 58 of 208).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in TX (rank 193 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.46%
Rank 183 of 211
Net Interest Margin
2.70%
Rank 193 of 211
Efficiency Ratio
74.44%
Rank 161 of 211
Equity / Assets
9.30%
Rank 162 of 211
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 24% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.87% | 1.20% | 1.65% | Beats 13% | 183 / 211 | | |
| Return on Equity | 4.96% | 7.52% | 11.67% | 14.58% | Beats 16% | 178 / 211 | | |
| Net Interest Margin | 2.70% | 3.28% | 3.82% | 4.31% | Beats 9% | 193 / 211 | | |
| Efficiency Ratio | 74.44% | 53.01% | 64.18% | 73.65% | Beats 24% | 161 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.01% | 0.30% | 1.10% | Beats 61% | 83 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 73% | 58 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 14.44% | 11.72% | 14.45% | 19.57% | Beats 49% | 107 / 211 | | |
| Total Risk-Based Capital Ratio | 15.37% | 11.94% | 14.78% | 20.30% | Beats 53% | 100 / 211 | | |
| Equity / Assets | 9.30% | 9.41% | 11.06% | 12.94% | Beats 23% | 162 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.47% | 45.39% | 66.56% | 82.03% | 72nd pctl | 58 / 208 | | |
| Loans / Assets | 65.14% | 39.13% | 56.90% | 70.46% | 64th pctl | 77 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |