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
Unfavorable gap of $19.5M · efficiency ratio beats 82% 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% | 1.54% | 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 |