Roswell, NM · Cert 27872 · Pioneer Bcorp Inc.
State savings bank · OCC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
12
Profitability
93
Liquidity
44
Efficiency
81
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.
Roswell, NM · Cert 27872 · Pioneer Bcorp Inc.
State savings bank · OCC · 11 branches
Q2 2026
Market Position · Las Cruces, NM · 2026 SOD (annual) · 4.7% share · #5 of 17 inst. · $0.2B of $3.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.46% | 1.68% | 1.78% | 1.73% | 1.73% | 1.80% | 2.03% | +25 bps | |
| Return on Equity | 19.42% | 17.95% | 18.75% | 19.49% | 18.59% | 18.29% | 17.75% | 19.73% | +25 bps | |
| Net Interest Margin | 4.17% | 4.43% | 4.53% | 4.45% | 4.43% | 4.41% | 4.39% | 4.53% | +9 bps | |
| Efficiency Ratio | 53.35% | 53.61% | 55.90% | 54.68% | 53.11% | 53.60% | 53.44% | 49.92% | -476 bps | |
| Non-Interest Burden | 1.80% | 1.92% | 2.12% | 2.01% | 1.92% | 1.93% | 1.91% | 1.77% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | -0.87% | 1.45% | 1.47% | 3.64% | 14.87% | 4.00% | 1.96% | +48 bps | |
| Loan Growth (YoY) | -10.29% | 2.32% | 3.03% | 11.08% | 25.11% | 18.91% | 14.89% | 2.43% | -865 bps | |
| Deposit Growth (YoY) | 5.24% | -1.41% | 3.38% | 6.14% | 0.53% | 10.39% | -0.35% | 0.40% | -574 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 4.13% | 2.50% | 2.11% | 2.24% | 1.86% | 1.64% | 2.19% | 1.71% | -52 bps | |
| Net Charge-Offs / Loans | 1.05% | 1.09% | 0.44% | 0.20% | 0.28% | 0.24% | -0.17% | -0.01% | -21 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.49% | 1.54% | 1.73% | 1.79% | 1.87% | 2.01% | +47 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.6x | 0.7x | 0.7x | 0.9x | 1.1x | 0.9x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.70% | 11.40% | 11.37% | 11.31% | 11.32% | 11.49% | 11.75% | 12.32% | +101 bps | |
| Total Risk-Based Capital | 19.04% | 17.79% | 17.72% | 17.97% | 17.34% | 17.24% | 17.32% | 18.77% | +80 bps | |
| Equity / Assets | 8.83% | 8.87% | 9.09% | 9.43% | 9.76% | 9.98% | 10.25% | 10.62% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.74% | 72.22% | 70.44% | 72.35% | 76.84% | 77.79% | 81.22% | 73.81% | +146 bps | |
| Liquid Assets / Assets | 12.98% | 2.55% | 4.64% | 1.78% | 2.21% | 5.14% | 1.03% | 6.36% | +458 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 347% | 349% | n/a | n/a | |
Roswell, NM · Cert 27872 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Pioneer Bcorp Inc.
State savings bank · OCC · 11 branches
Q2 2026
Return on Assets
2.04%
Rank 18 of 258
Net Interest Margin
4.53%
Rank 18 of 258
Efficiency Ratio
49.92%
Rank 51 of 257
Equity / Assets
10.62%
Rank 115 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.04% | 0.93% | 1.23% | 1.54% | Beats 93% | 18 / 258 | ||
| Return on Equity | 19.26% | 9.26% | 11.84% | 14.74% | Beats 93% | 19 / 258 | ||
| Net Interest Margin | 4.53% | 3.16% | 3.49% | 3.88% | Beats 93% | 18 / 258 | ||
| Efficiency Ratio | 49.92% | 51.71% | 60.30% | 69.65% | Beats 81% | 51 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.19% | 0.46% | 0.90% | Beats 10% | 233 / 258 | ||
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 13% | 226 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.51% | 11.41% | 12.98% | 15.12% | Beats 88% | 32 / 258 | ||
| Total Risk-Based Capital Ratio | 18.77% | 12.10% | 13.91% | 16.08% | Beats 89% | 29 / 258 | ||
| Equity / Assets | 10.62% | 9.09% | 10.24% | 11.72% | Beats 55% | 115 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.81% | 73.24% | 86.34% | 95.95% | 26th pctl | 192 / 258 | ||
| Loans / Assets | 57.37% | 63.01% | 72.27% | 78.40% | 14th pctl | 221 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||