Iaeger, WV · Cert 2448 · Pioneer Community Group Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Beckley, WV · 2026 SOD (annual) · 3.0% share · #9 of 12 inst. · $0.1B of $2.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.07% | 1.62% | 0.56% | 1.00% | 0.76% | 0.82% | 0.64% | 0.92% | -8 bps | |
| Return on Equity | 30.35% | 11.75% | 4.32% | 7.97% | 5.89% | 6.29% | 4.90% | 7.15% | -81 bps | |
| Net Interest Margin | 3.76% | 3.77% | 3.43% | 3.47% | 3.66% | 3.77% | 3.63% | 3.56% | +9 bps | |
| Efficiency Ratio | 36.98% | 68.24% | 82.40% | 67.29% | 79.14% | 74.39% | 79.16% | 69.61% | +232 bps | |
| Non-Interest Burden | -1.82% | 2.13% | 2.75% | 2.19% | 2.80% | 2.68% | 2.76% | 2.31% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 6.65% | 10.36% | 9.12% | 8.66% | 4.90% | 2.82% | 5.42% | -370 bps | |
| Loan Growth (YoY) | 7.54% | 7.32% | 7.76% | 7.43% | 6.85% | 6.34% | 7.24% | 6.90% | -53 bps | |
| Deposit Growth (YoY) | 0.33% | 5.53% | 10.68% | 9.11% | 9.82% | 3.61% | -0.96% | 2.00% | -711 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.24% | 0.25% | 0.36% | 0.40% | 0.14% | 0.18% | 0.29% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.15% | 0.10% | 0.01% | 0.00% | 0.01% | 0.03% | 0.01% | 0 bps | |
| Allowance / Loans | 1.07% | 1.08% | 1.06% | 1.03% | 1.01% | 0.98% | 0.97% | 0.95% | -8 bps | |
| Allowance Coverage of NPLs | 4.9x | 4.4x | 4.3x | 2.9x | 2.5x | 7.2x | 5.5x | 3.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.19% | 15.44% | 13.89% | 13.13% | 13.95% | 14.02% | 13.93% | 13.58% | +45 bps | |
| Total Risk-Based Capital | 15.19% | 15.44% | 13.89% | 13.13% | 13.95% | 14.02% | 13.93% | 13.58% | +45 bps | |
| Equity / Assets | 13.99% | 13.58% | 12.46% | 12.71% | 13.01% | 13.13% | 12.93% | 12.87% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.34% | 86.40% | 81.50% | 83.87% | 85.95% | 88.67% | 88.25% | 87.90% | +403 bps | |
| Liquid Assets / Assets | 3.30% | 4.88% | 9.33% | 5.32% | 4.28% | 3.42% | 4.89% | 5.27% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 177.36% | 180.42% | 175.74% | n/a | n/a | |