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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.15% | 1.68% | 1.87% | 1.63% | 1.70% | 1.80% | 2.28% | +42 bps | |
| Return on Equity | 12.84% | 12.98% | 18.75% | 20.15% | 16.93% | 17.26% | 17.75% | 21.88% | +173 bps | |
| Net Interest Margin | 4.14% | 4.57% | 4.53% | 4.52% | 4.58% | 4.47% | 4.39% | 4.64% | +11 bps | |
| Efficiency Ratio | 53.60% | 54.36% | 55.90% | 53.51% | 50.14% | 55.01% | 53.44% | 46.57% | -693 bps | |
| Non-Interest Burden | 1.79% | 2.04% | 2.12% | 1.97% | 1.81% | 2.03% | 1.91% | 1.62% | -35 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 | 2.17% | 1.48% | 0.44% | -0.02% | 0.45% | 0.14% | -0.17% | 0.16% | +18 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 | |