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
Unfavorable gap of $4.8M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.72% | 1.06% | 1.45% | Beats 28% | 537 / 746 | | |
| Return on Equity | 5.94% | 6.74% | 10.51% | 13.63% | Beats 21% | 586 / 746 | | |
| Net Interest Margin | 3.53% | 3.17% | 3.68% | 4.16% | Beats 42% | 436 / 746 | | |
| Efficiency Ratio | 74.31% | 55.74% | 64.58% | 75.47% | Beats 27% | 547 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.09% | 0.42% | 1.07% | Beats 60% | 297 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 48% | 388 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.55% | 13.75% | 17.60% | Beats 48% | 387 / 746 | | |
| Total Risk-Based Capital Ratio | 13.58% | 11.71% | 14.33% | 18.43% | Beats 43% | 425 / 746 | | |
| Equity / Assets | 12.87% | 8.90% | 10.51% | 13.06% | Beats 73% | 199 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.90% | 61.31% | 78.27% | 90.78% | 70th pctl | 226 / 746 | | |
| Loans / Assets | 73.68% | 53.60% | 66.97% | 76.08% | 68th pctl | 238 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |