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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

$191.1MAssets
$140.8MLoans
$160.2MDeposits
$24.6MEquity
Loan mix
85%RE $117.7M10%C&I $14.0M5%Consumer $6.3MQ3 2024Q2 2026
Deposit mix
35%Interest-bearing $56.7M65%Noninterest $103.6MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.86%0.56%0.79%0.78%0.79%0.64%0.78%-1 bps
Return on Equity14.87%14.08%4.32%6.10%6.02%6.09%4.90%6.03%-7 bps
Net Interest Margin3.72%3.71%3.43%3.33%3.56%3.61%3.63%3.53%+20 bps
Efficiency Ratio55.11%58.16%82.40%74.52%76.11%75.66%79.16%74.31%-21 bps
Non-Interest Burden1.16%1.39%2.75%2.37%2.60%2.62%2.76%2.49%+11 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 / Loans0.22%0.24%0.25%0.36%0.40%0.14%0.18%0.29%-7 bps
Net Charge-Offs / Loans-0.01%-0.04%0.10%0.05%0.04%0.03%0.03%0.02%-3 bps
Allowance / Loans1.07%1.08%1.06%1.03%1.01%0.98%0.97%0.95%-8 bps
Allowance Coverage of NPLs4.9x4.4x4.3x2.9x2.5x7.2x5.5x3.3x+0.4x
Capital
Tier 1 Leverage Ratio15.19%15.44%13.89%13.13%13.95%14.02%13.93%13.58%+45 bps
Total Risk-Based Capital15.19%15.44%13.89%13.13%13.95%14.02%13.93%13.58%+45 bps
Equity / Assets13.99%13.58%12.46%12.71%13.01%13.13%12.93%12.87%+16 bps
Liquidity & Funding
Loans / Deposits88.34%86.40%81.50%83.87%85.95%88.67%88.25%87.90%+403 bps
Liquid Assets / Assets3.30%4.88%9.33%5.32%4.28%3.42%4.89%5.27%-5 bps
CRE / Total Capitaln/an/an/an/a177.36%180.42%175.74%n/an/a