Stanley, VA · Cert 6913 · Pioneer Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
63
Asset Quality
59
Profitability
92
Liquidity
24
Efficiency
94
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.
Stanley, VA · Cert 6913 · Pioneer Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · Charlottesville, VA · 2026 SOD (annual) · 0.8% share · #13 of 15 inst. · $0.1B of $6.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.79% | 1.26% | 1.18% | 1.20% | 1.17% | 1.62% | 2.81% | +162 bps | |
| Return on Equity | 7.77% | 8.36% | 12.42% | 11.39% | 11.39% | 11.03% | 14.68% | 24.90% | +1,351 bps | |
| Net Interest Margin | 3.16% | 3.42% | 3.74% | 3.84% | 3.96% | 3.97% | 4.33% | 4.38% | +54 bps | |
| Efficiency Ratio | 74.20% | 71.53% | 64.78% | 63.66% | 62.98% | 62.72% | 58.24% | 44.88% | -1,878 bps | |
| Non-Interest Burden | 2.23% | 2.32% | 2.25% | 2.27% | 2.31% | 2.41% | 2.32% | 1.01% | -126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.75% | 7.13% | -1.88% | -5.41% | -4.65% | 2.82% | 3.38% | 10.12% | +1,553 bps | |
| Loan Growth (YoY) | 12.86% | 9.53% | 8.61% | 3.43% | 7.20% | 10.51% | 9.13% | 8.55% | +513 bps | |
| Deposit Growth (YoY) | 4.97% | 3.01% | 1.95% | 1.97% | 2.91% | 3.45% | 4.18% | 7.08% | +512 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.04% | 0.06% | 0.00% | 0.08% | 0.06% | 0.03% | -4 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.06% | 0.07% | 0.09% | 0.07% | -0.05% | -0.04% | -11 bps | |
| Allowance / Loans | 0.97% | 0.97% | 0.95% | 0.97% | 0.95% | 0.88% | 0.88% | 0.82% | -15 bps | |
| Allowance Coverage of NPLs | 20.0x | 20.7x | 24.5x | 15.1x | n/a | 11.3x | 13.8x | 28.8x | +13.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 10.70% | 10.69% | 11.04% | 11.43% | 11.40% | 11.44% | 11.96% | +92 bps | |
| Total Risk-Based Capital | 15.21% | 15.19% | 15.53% | 15.15% | 14.79% | 14.79% | 15.58% | 16.53% | +137 bps | |
| Equity / Assets | 9.39% | 10.03% | 10.24% | 10.92% | 11.01% | 11.01% | 11.08% | 11.70% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.40% | 95.90% | 93.77% | 96.54% | 98.34% | 102.45% | 98.22% | 97.87% | +132 bps | |
| Liquid Assets / Assets | 5.63% | 7.71% | 5.36% | 2.69% | 3.37% | 2.81% | 3.16% | 2.67% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 370% | 358% | 349% | n/a | n/a | |
Stanley, VA · Cert 6913 · Peer group: banks under $1B in assets (n=581-629) · Pioneer Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
Return on Assets
2.74%
Rank 44 of 629
Net Interest Margin
4.38%
Rank 84 of 629
Efficiency Ratio
44.88%
Rank 41 of 629
Equity / Assets
11.70%
Rank 246 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.74% | 0.60% | 1.01% | 1.45% | Beats 93% | 44 / 629 | ||
| Return on Equity | 23.40% | 5.38% | 9.30% | 13.28% | Beats 96% | 26 / 629 | ||
| Net Interest Margin | 4.38% | 3.03% | 3.54% | 4.05% | Beats 87% | 84 / 629 | ||
| Efficiency Ratio | 44.88% | 58.35% | 67.79% | 79.08% | Beats 94% | 41 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.46% | 1.20% | Beats 83% | 98 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 35% | 380 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.67% | 11.24% | 13.84% | 18.77% | Beats 63% | 230 / 629 | ||
| Total Risk-Based Capital Ratio | 16.53% | 11.58% | 14.43% | 19.66% | Beats 64% | 224 / 629 | ||
| Equity / Assets | 11.70% | 9.09% | 10.65% | 13.80% | Beats 61% | 246 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.87% | 67.24% | 80.90% | 93.48% | 82nd pctl | 106 / 594 | ||
| Loans / Assets | 77.97% | 53.31% | 67.71% | 78.15% | 74th pctl | 163 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||