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=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.
Capital
76
Asset Quality
12
Profitability
94
Liquidity
44
Efficiency
82
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=268-269) · Pioneer Bcorp Inc.
State savings bank · OCC · 11 branches
Q2 2026
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
| 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 94% | 17 / 269 | ||
| Return on Equity | 19.26% | 9.13% | 11.77% | 14.52% | Beats 94% | 17 / 269 | ||
| Net Interest Margin | 4.53% | 3.16% | 3.50% | 3.88% | Beats 94% | 17 / 269 | ||
| Efficiency Ratio | 49.92% | 51.70% | 60.21% | 69.66% | Beats 82% | 50 / 268 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.71% | 0.19% | 0.45% | 0.89% | Beats 10% | 244 / 269 | ||
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.06% | Beats 13% | 236 / 269 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.51% | 11.29% | 13.10% | 15.21% | Beats 86% | 37 / 269 | ||
| Total Risk-Based Capital Ratio | 18.77% | 12.04% | 13.91% | 16.33% | Beats 88% | 33 / 269 | ||
| Equity / Assets | 10.62% | 9.18% | 10.29% | 11.76% | Beats 55% | 121 / 269 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.81% | 72.68% | 86.29% | 95.72% | 26th pctl | 198 / 269 | ||
| Loans / Assets | 57.37% | 62.46% | 72.27% | 78.37% | 15th pctl | 228 / 269 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||