Pioneer Bank
Stanley, VA · Cert 6913 · Peer group: banks under $1B in assets (n=573-620) · Pioneer Bankshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$371.8MAssets
$289.9MLoans
$296.2MDeposits
$43.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets (rank 26 of 620).
- Widest gap: net charge-offs / loans trails 67% of banks under $1B in assets (rank 384 of 573).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.74%
Rank 42 of 620
Net Interest Margin
4.38%
Rank 80 of 620
Efficiency Ratio
44.88%
Rank 35 of 620
Equity / Assets
11.70%
Rank 235 of 620
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.74% | 0.60% | 1.00% | 1.45% | Beats 93% | 42 / 620 | |
| Return on Equity | 23.40% | 5.30% | 9.30% | 13.29% | Beats 96% | 26 / 620 | |
| Net Interest Margin | 4.38% | 3.02% | 3.53% | 4.04% | Beats 87% | 80 / 620 | |
| Efficiency Ratio | 44.88% | 58.35% | 68.08% | 79.37% | Beats 95% | 35 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.47% | 1.27% | Beats 83% | 101 / 573 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 33% | 384 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 15.67% | 11.27% | 13.87% | 18.78% | Beats 63% | 231 / 620 | |
| Total Risk-Based Capital Ratio | 16.53% | 11.69% | 14.57% | 19.67% | Beats 63% | 227 / 620 | |
| Equity / Assets | 11.70% | 9.03% | 10.60% | 13.73% | Beats 62% | 235 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 97.87% | 65.08% | 79.69% | 92.47% | 83rd pctl | 98 / 585 | |
| Loans / Assets | 77.97% | 51.85% | 67.17% | 77.86% | 75th pctl | 154 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |