Pioneer Bank
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
$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 629).
- Widest gap: net charge-offs / loans trails 65% of banks under $1B in assets (rank 380 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
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 | 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 |