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Pioneer Commercial Bank

Troy, NY · Cert 57849

FDIC · 1 branch

Q3 2024

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q3 2024, the quarter ended September 30, 2024, 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=562 to 600). 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

70

Q2 2024Q3 2024peer median (50)

Asset Quality

No peer data yet

Profitability

46

Q2 2024Q3 2024peer median (50)

Liquidity

0

Q2 2024Q3 2024peer median

Efficiency

99

Q2 2024Q3 2024peer 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 Commercial Bank

Troy, NY · Cert 57849

FDIC · 1 branch

Q3 2024

$624.6MAssets
n/aLoans
$569.2MDeposits
$53.9MEquity
Deposit mix
72%Interest-bearing $410.4M28%Noninterest $158.8MQ3 2023Q3 2024

NIM

0.88%Q3 ’223.15%Q3 ’233.94%Q3 ’24+135%-11%

Non-interest income vs. expense

0.14%Q3 ’220.18%Q3 ’230.18%Q3 ’24+29%+2%

Market Position · Albany-Schenectady-Troy, NY · 2024 SOD (annual) · 1.5% share · #15 of 24 inst. · $0.4B of $29.6B

Executive Summary

  • Earnings: ROA of 1.10%, down 22 bps year over year; NIM at 1.75%.
  • Capital: tier 1 leverage ratio of 10.64%, up 69 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

1.10%-22 bps YoY

Net Interest Margin (YTD, annualized)

1.75%-22 bps YoY

Efficiency Ratio (YTD, annualized)

10.46%+137 bps YoY

Tier 1 Leverage Ratio

10.64%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets1.33%1.34%1.47%1.28%1.10%-22 bps
Return on Equity15.14%14.72%15.75%13.11%11.70%-344 bps
Net Interest Margin1.96%1.85%2.00%1.76%1.75%-22 bps
Efficiency Ratio9.09%8.78%8.28%9.79%10.46%+137 bps
Non-Interest Burden0.18%0.16%0.16%0.17%0.18%0 bps
Growth
Asset Growth (YoY)-4.47%2.14%15.80%2.88%4.34%+882 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-6.02%0.40%15.75%1.48%3.73%+975 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.95%9.72%9.10%9.56%10.64%+69 bps
Total Risk-Based Capital46.44%57.03%47.11%56.09%48.05%+161 bps
Equity / Assets7.95%10.66%8.36%10.66%8.63%+68 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets84.82%91.75%93.76%92.01%89.79%+497 bps
CRE / Total Capitaln/an/an/an/an/an/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 Commercial Bank

Troy, NY · Cert 57849 · Peer group: banks under $1B in assets (n=562-600)

FDIC · 1 branch

Q3 2024

$624.6MAssets
n/aLoans
$569.2MDeposits
$53.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets (rank 4 of 599).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 579 of 599).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.97%

Rank 236 of 600

Net Interest Margin

1.75%

Rank 579 of 599

Efficiency Ratio

10.46%

Rank 4 of 599

Equity / Assets

8.63%

Rank 427 of 599

Non-interest income vs. expense

$13K$927KINCOMEEXPENSE
Unfavorable gap of $913K · efficiency ratio beats 99% of banks under $1B in assets
Bank 10.46%Peer median 71.8%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.46%0.79%1.24%Beats 61%236 / 600
Return on Equity11.24%4.80%8.06%11.58%Beats 73%164 / 599
Net Interest Margin1.75%2.69%3.18%3.78%Beats 3%579 / 599
Efficiency Ratio10.46%60.70%71.81%83.57%Beats 99%4 / 599
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio48.05%11.16%13.46%17.80%Beats 91%56 / 599
Total Risk-Based Capital Ratio48.05%11.63%14.22%18.75%Beats 91%56 / 599
Equity / Assets8.63%8.41%10.03%12.90%Beats 29%427 / 599
Liquidity & Funding
Loans / Deposits0.00%64.78%79.25%91.89%0th pctl554 / 562
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Depositsn/aNot reported for this institution