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
Unfavorable gap of $913K · efficiency ratio beats 99% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.46% | 0.79% | 1.24% | Beats 61% | 236 / 600 | | |
| Return on Equity | 11.24% | 4.80% | 8.06% | 11.58% | Beats 73% | 164 / 599 | | |
| Net Interest Margin | 1.75% | 2.69% | 3.18% | 3.78% | Beats 3% | 579 / 599 | | |
| Efficiency Ratio | 10.46% | 60.70% | 71.81% | 83.57% | Beats 99% | 4 / 599 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 48.05% | 11.16% | 13.46% | 17.80% | Beats 91% | 56 / 599 | | |
| Total Risk-Based Capital Ratio | 48.05% | 11.63% | 14.22% | 18.75% | Beats 91% | 56 / 599 | | |
| Equity / Assets | 8.63% | 8.41% | 10.03% | 12.90% | Beats 29% | 427 / 599 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 64.78% | 79.25% | 91.89% | 0th pctl | 554 / 562 | | |
| Loans / Assets | n/a | Not reported for this institution |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |