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Pioneer Community Bank, Inc.

Iaeger, WV · Cert 2448 · Pioneer Community Group Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

30

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pioneer Community Bank, Inc.

Iaeger, WV · Cert 2448 · Pioneer Community Group Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$191.1MAssets
$140.8MLoans
$160.2MDeposits
$24.6MEquity
Loan mix
85%RE $117.7M10%C&I $14.0M5%Consumer $6.3MQ2 2025Q2 2026
Deposit mix
35%Interest-bearing $56.7M65%Noninterest $103.6MQ2 2025Q2 2026

NIM

4.78%Q2 ’244.52%Q2 ’254.71%Q2 ’26-12%+6%

Non-interest income vs. expense

3.15%Q2 ’242.79%Q2 ’253.01%Q2 ’26-12%+5%

Market Position · Beckley, WV · 2026 SOD (annual) · 3.0% share · #9 of 12 inst. · $0.1B of $2.3B

41.6% McDowell
4.1% Raleigh

Executive Summary

  • Earnings: ROA of 0.78%, down 1 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.29% of loans (-7 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 13.58%, up 45 bps from a year ago.
  • Funding: loans stand at 87.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+20 bps YoY

Efficiency Ratio (YTD, annualized)

74.31%-21 bps YoY

Tier 1 Leverage Ratio

13.58%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%0.78%0.79%0.64%0.78%-1 bps
Return on Equity6.10%6.02%6.09%4.90%6.03%-7 bps
Net Interest Margin3.33%3.56%3.61%3.63%3.53%+20 bps
Efficiency Ratio74.52%76.11%75.66%79.16%74.31%-21 bps
Non-Interest Burden2.37%2.60%2.62%2.76%2.49%+11 bps
Growth
Asset Growth (YoY)9.12%8.66%4.90%2.82%5.42%-370 bps
Loan Growth (YoY)7.43%6.85%6.34%7.24%6.90%-53 bps
Deposit Growth (YoY)9.11%9.82%3.61%-0.96%2.00%-711 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.40%0.14%0.18%0.29%-7 bps
Net Charge-Offs / Loans0.05%0.04%0.03%0.03%0.02%-3 bps
Allowance / Loans1.03%1.01%0.98%0.97%0.95%-8 bps
Allowance Coverage of NPLs2.9x2.5x7.2x5.5x3.3x+0.4x
Capital
Tier 1 Leverage Ratio13.13%13.95%14.02%13.93%13.58%+45 bps
Total Risk-Based Capital13.13%13.95%14.02%13.93%13.58%+45 bps
Equity / Assets12.71%13.01%13.13%12.93%12.87%+16 bps
Liquidity & Funding
Loans / Deposits83.87%85.95%88.67%88.25%87.90%+403 bps
Liquid Assets / Assets5.32%4.28%3.42%4.89%5.27%-5 bps
CRE / Total Capitaln/a177.36%180.42%175.74%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pioneer Community Bank, Inc.

Iaeger, WV · Cert 2448 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Pioneer Community Group Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$191.1MAssets
$140.8MLoans
$160.2MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 73% of banks under $1B in assets operating in a single state (rank 199 of 746).
  • Widest gap: return on equity trails 79% of banks under $1B in assets operating in a single state (rank 586 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.76%

Rank 537 of 746

Net Interest Margin

3.53%

Rank 436 of 746

Efficiency Ratio

74.31%

Rank 547 of 746

Equity / Assets

12.87%

Rank 199 of 746

Non-interest income vs. expense

$1.0M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.8M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state
Bank 74.31%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.76%0.72%1.06%1.45%Beats 28%537 / 746
Return on Equity5.94%6.74%10.51%13.63%Beats 21%586 / 746
Net Interest Margin3.53%3.17%3.68%4.16%Beats 42%436 / 746
Efficiency Ratio74.31%55.74%64.58%75.47%Beats 27%547 / 746
Asset Quality
Nonperforming Loans / Loans0.29%0.09%0.42%1.07%Beats 60%297 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%388 / 743
Capital
Tier 1 Capital Ratio13.58%11.55%13.75%17.60%Beats 48%387 / 746
Total Risk-Based Capital Ratio13.58%11.71%14.33%18.43%Beats 43%425 / 746
Equity / Assets12.87%8.90%10.51%13.06%Beats 73%199 / 746
Liquidity & Funding
Loans / Deposits87.90%61.31%78.27%90.78%70th pctl226 / 746
Loans / Assets73.68%53.60%66.97%76.08%68th pctl238 / 746
Brokered Deposits / Depositsn/aNot reported for this institution