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Pioneer Bank

Roswell, NM · Cert 27872 · Pioneer Bcorp Inc.

State savings bank · OCC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=268 to 269). 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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

82

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 Bank

Roswell, NM · Cert 27872 · Pioneer Bcorp Inc.

State savings bank · OCC · 11 branches

Q2 2026

$1.1BAssets
$628.0MLoans
$850.8MDeposits
$116.2MEquity
Loan mix
76%RE $503.2M23%C&I $154.5M1%Consumer $5.4MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $554.6M35%Noninterest $296.2MQ2 2025Q2 2026

NIM

5.23%Q2 ’245.15%Q2 ’255.36%Q2 ’26+2%+2%

Non-interest income vs. expense

2.81%Q2 ’242.94%Q2 ’252.75%Q2 ’26+7%-12%

Market Position · Las Cruces, NM · 2026 SOD (annual) · 4.7% share · #5 of 17 inst. · $0.2B of $3.3B

25.3% Chaves
5.4% Eddy
4.7% Dona Ana
11.2% Lincoln

Executive Summary

  • Earnings: ROA of 2.03%, up 25 bps year over year; NIM at 4.53%.
  • Asset quality: problem loans at 1.71% of loans (-52 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.32%, up 101 bps from a year ago.
  • Funding: loans stand at 73.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.03%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.53%+9 bps YoY

Efficiency Ratio (YTD, annualized)

49.92%-476 bps YoY

Tier 1 Leverage Ratio

12.32%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.73%1.73%1.80%2.03%+25 bps
Return on Equity19.49%18.59%18.29%17.75%19.73%+25 bps
Net Interest Margin4.45%4.43%4.41%4.39%4.53%+9 bps
Efficiency Ratio54.68%53.11%53.60%53.44%49.92%-476 bps
Non-Interest Burden2.01%1.92%1.93%1.91%1.77%-24 bps
Growth
Asset Growth (YoY)1.47%3.64%14.87%4.00%1.96%+48 bps
Loan Growth (YoY)11.08%25.11%18.91%14.89%2.43%-865 bps
Deposit Growth (YoY)6.14%0.53%10.39%-0.35%0.40%-574 bps
Asset Quality
Nonperforming Loans / Loans2.24%1.86%1.64%2.19%1.71%-52 bps
Net Charge-Offs / Loans0.20%0.28%0.24%-0.17%-0.01%-21 bps
Allowance / Loans1.54%1.73%1.79%1.87%2.01%+47 bps
Allowance Coverage of NPLs0.7x0.9x1.1x0.9x1.2x+0.5x
Capital
Tier 1 Leverage Ratio11.31%11.32%11.49%11.75%12.32%+101 bps
Total Risk-Based Capital17.97%17.34%17.24%17.32%18.77%+80 bps
Equity / Assets9.43%9.76%9.98%10.25%10.62%+118 bps
Liquidity & Funding
Loans / Deposits72.35%76.84%77.79%81.22%73.81%+146 bps
Liquid Assets / Assets1.78%2.21%5.14%1.03%6.36%+458 bps
CRE / Total Capitaln/a326%347%349%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 Bank

Roswell, NM · Cert 27872 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Pioneer Bcorp Inc.

State savings bank · OCC · 11 branches

Q2 2026

$1.1BAssets
$628.0MLoans
$850.8MDeposits
$116.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 17 of 269).
  • Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 244 of 269).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.04%

Rank 17 of 269

Net Interest Margin

4.53%

Rank 17 of 269

Efficiency Ratio

49.92%

Rank 50 of 268

Equity / Assets

10.62%

Rank 121 of 269

Non-interest income vs. expense

$10.7M$30.2MINCOMEEXPENSE
Unfavorable gap of $19.5M · efficiency ratio beats 82% of banks $1B-$10B in assets operating in a single state
Bank 49.92%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%0.93%1.23%1.54%Beats 94%17 / 269
Return on Equity19.26%9.13%11.77%14.52%Beats 94%17 / 269
Net Interest Margin4.53%3.16%3.50%3.88%Beats 94%17 / 269
Efficiency Ratio49.92%51.70%60.21%69.66%Beats 82%50 / 268
Asset Quality
Nonperforming Loans / Loans1.71%0.19%0.45%0.89%Beats 10%244 / 269
Net Charge-Offs / Loans0.16%0.01%0.02%0.06%Beats 13%236 / 269
Capital
Tier 1 Capital Ratio17.51%11.29%13.10%15.21%Beats 86%37 / 269
Total Risk-Based Capital Ratio18.77%12.04%13.91%16.33%Beats 88%33 / 269
Equity / Assets10.62%9.18%10.29%11.76%Beats 55%121 / 269
Liquidity & Funding
Loans / Deposits73.81%72.68%86.29%95.72%26th pctl198 / 269
Loans / Assets57.37%62.46%72.27%78.37%15th pctl228 / 269
Brokered Deposits / Depositsn/aNot reported for this institution