Pioneer Bank
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
$1.1BAssets
$628.0MLoans
$850.8MDeposits
$116.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 93% of banks $1B-$10B in assets operating in a single state (rank 18 of 258).
- Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 233 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
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
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 | 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 |