Pioneer Bank
Stanley, VA · Cert 6913 · Peer group: banks under $1B in assets (n=570-617) · 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 617).
- Widest gap: net charge-offs / loans trails 68% of banks under $1B in assets (rank 386 of 570).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.74%
Rank 42 of 617
Net Interest Margin
4.38%
Rank 83 of 617
Efficiency Ratio
44.88%
Rank 35 of 617
Equity / Assets
11.70%
Rank 235 of 617
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 94% 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% | 1.01% | 1.45% | Beats 93% | 42 / 617 | |
| Return on Equity | 23.40% | 5.30% | 9.43% | 13.30% | Beats 96% | 26 / 617 | |
| Net Interest Margin | 4.38% | 3.04% | 3.54% | 4.05% | Beats 87% | 83 / 617 | |
| Efficiency Ratio | 44.88% | 58.03% | 67.76% | 79.08% | Beats 94% | 35 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.47% | 1.27% | Beats 83% | 99 / 570 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 32% | 386 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 15.67% | 11.18% | 13.83% | 18.55% | Beats 63% | 228 / 617 | |
| Total Risk-Based Capital Ratio | 16.53% | 11.56% | 14.39% | 19.39% | Beats 65% | 219 / 617 | |
| Equity / Assets | 11.70% | 9.03% | 10.55% | 13.63% | Beats 62% | 235 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 97.87% | 64.77% | 79.70% | 93.06% | 83rd pctl | 97 / 582 | |
| Loans / Assets | 77.97% | 51.70% | 67.18% | 77.51% | 76th pctl | 151 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |