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Pioneer State Bank

Deer Lodge, MT · Cert 29517

SI · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

73

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

46

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pioneer State Bank

Deer Lodge, MT · Cert 29517

SI · FDIC · 2 branches

Q2 2026

$133.5MAssets
$93.3MLoans
$100.5MDeposits
$22.5MEquity
Loan mix
96%RE $88.4M2%C&I $2.3M1%Consumer $1.0MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $87.0M13%Noninterest $13.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of -2.15%, down 191 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.59% of loans (+52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.80%, down 20 bps from a year ago.
  • Funding: loans stand at 92.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-2.15%-191 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-41 bps YoY

Efficiency Ratio (YTD, annualized)

193.32%+8,013 bps YoY

Tier 1 Leverage Ratio

16.80%-20 bps YoY

NIM

4.35%Q2 ’244.65%Q2 ’254.25%Q2 ’26+10%-13%

Non-interest income vs. expense

2.87%Q2 ’243.78%Q2 ’255.64%Q2 ’26+67%+53%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.42%-0.71%-0.25%-0.18%-0.15%-0.76%-2.15%-191 bps
Return on Equity2.69%2.59%-4.36%-1.50%-1.14%-0.96%-5.01%-13.65%-1,215 bps
Net Interest Margin2.82%2.84%2.97%3.10%3.09%3.01%3.06%2.69%-41 bps
Efficiency Ratio83.12%84.56%120.40%113.20%107.33%106.11%126.55%193.32%+8,013 bps
Non-Interest Burden2.26%2.33%3.63%3.54%3.33%3.20%3.93%5.41%+187 bps
Growth
Asset Growth (YoY)-0.51%-0.35%-0.45%-0.14%5.40%6.85%9.32%18.01%+1,815 bps
Loan Growth (YoY)7.44%6.51%3.27%0.93%1.29%3.85%4.99%8.23%+730 bps
Deposit Growth (YoY)-1.99%-1.10%-1.00%-0.32%7.17%8.96%12.35%16.76%+1,708 bps
Asset Quality
Nonperforming Loans / Loans0.60%0.98%0.07%0.07%0.52%0.00%0.06%0.59%+52 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.00%0.00%0.00%0.00%-2 bps
Allowance / Loans1.36%1.38%1.38%1.27%1.25%1.25%1.27%1.20%-8 bps
Allowance Coverage of NPLs2.2x1.4x20.4x18.3x2.4xn/a21.6x2.0x-16.3x
Capital
Tier 1 Leverage Ratio16.96%17.03%16.94%17.00%16.64%16.05%15.68%16.80%-20 bps
Total Risk-Based Capital16.96%17.03%16.94%17.00%16.64%16.05%15.68%16.80%-20 bps
Equity / Assets16.40%16.39%16.41%16.28%15.52%15.40%14.95%16.87%+58 bps
Liquidity & Funding
Loans / Deposits101.72%102.70%103.17%100.18%96.14%97.88%96.41%92.86%-732 bps
Liquid Assets / Assets4.74%5.35%5.05%7.47%7.75%6.94%6.54%16.79%+932 bps
CRE / Total Capitaln/an/an/an/a44.10%48.15%54.41%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pioneer State Bank

Deer Lodge, MT · Cert 29517 · Peer group: banks under $1B in assets (n=581-629)

SI · FDIC · 2 branches

Q2 2026

$133.5MAssets
$93.3MLoans
$100.5MDeposits
$22.5MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 83% of banks under $1B in assets (rank 110 of 629).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets (rank 617 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-2.02%

Rank 612 of 629

Net Interest Margin

2.69%

Rank 546 of 629

Efficiency Ratio

193.32%

Rank 617 of 629

Equity / Assets

16.87%

Rank 110 of 629

Non-interest income vs. expense

$0.3M$7.7MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 2% of banks under $1B in assets
Bank 193.32%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-2.02%0.60%1.01%1.45%Beats 3%612 / 629
Return on Equity-11.97%5.38%9.30%13.28%Beats 3%612 / 629
Net Interest Margin2.69%3.03%3.54%4.05%Beats 13%546 / 629
Efficiency Ratio193.32%58.35%67.79%79.08%Beats 2%617 / 629
Asset Quality
Nonperforming Loans / Loans0.59%0.09%0.46%1.20%Beats 44%327 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 64%210 / 581
Capital
Tier 1 Capital Ratio16.80%11.24%13.84%18.77%Beats 69%198 / 629
Total Risk-Based Capital Ratio16.80%11.58%14.43%19.66%Beats 66%216 / 629
Equity / Assets16.87%9.09%10.65%13.80%Beats 83%110 / 629
Liquidity & Funding
Loans / Deposits92.86%67.24%80.90%93.48%74th pctl155 / 594
Loans / Assets69.89%53.31%67.71%78.15%56th pctl279 / 629
Brokered Deposits / Depositsn/aNot reported for this institution