Pioneer Bank
Roswell, NM · Cert 27872 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 equity outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 17 of 267).
- Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 242 of 267).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.04%
Rank 18 of 267
Net Interest Margin
4.53%
Rank 16 of 267
Efficiency Ratio
49.92%
Rank 51 of 266
Equity / Assets
10.62%
Rank 120 of 267
Non-interest income vs. expense
Unfavorable gap of $19.5M · efficiency ratio beats 81% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.04% | 0.93% | 1.23% | 1.55% | Beats 93% | 18 / 267 | |
| Return on Equity | 19.26% | 9.16% | 11.84% | 14.56% | Beats 94% | 17 / 267 | |
| Net Interest Margin | 4.53% | 3.12% | 3.50% | 3.88% | Beats 94% | 16 / 267 | |
| Efficiency Ratio | 49.92% | 51.36% | 60.21% | 69.66% | Beats 81% | 51 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.71% | 0.19% | 0.46% | 0.89% | Beats 10% | 242 / 267 | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.06% | Beats 12% | 235 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 17.51% | 11.29% | 13.05% | 15.13% | Beats 86% | 37 / 267 | |
| Total Risk-Based Capital Ratio | 18.77% | 11.95% | 13.87% | 16.27% | Beats 88% | 33 / 267 | |
| Equity / Assets | 10.62% | 9.18% | 10.29% | 11.76% | Beats 55% | 120 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 73.81% | 72.68% | 86.16% | 95.22% | 26th pctl | 197 / 267 | |
| Loans / Assets | 57.37% | 62.46% | 71.96% | 78.38% | 15th pctl | 227 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |