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
Unfavorable gap of $7.4M · efficiency ratio beats 2% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 2.69% | 3.03% | 3.54% | 4.05% | Beats 13% | 546 / 629 | |
| Efficiency Ratio | 193.32% | 58.35% | 67.79% | 79.08% | Beats 2% | 617 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.46% | 1.20% | Beats 44% | 327 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 64% | 210 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.80% | 11.24% | 13.84% | 18.77% | Beats 69% | 198 / 629 | |
| Total Risk-Based Capital Ratio | 16.80% | 11.58% | 14.43% | 19.66% | Beats 66% | 216 / 629 | |
| Equity / Assets | 16.87% | 9.09% | 10.65% | 13.80% | Beats 83% | 110 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 92.86% | 67.24% | 80.90% | 93.48% | 74th pctl | 155 / 594 | |
| Loans / Assets | 69.89% | 53.31% | 67.71% | 78.15% | 56th pctl | 279 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |