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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.25% | 1.10% | 1.62% | 3.96% | +287 bps | |
| Return on Equity | 10.37% | 11.41% | 9.99% | 14.68% | 34.78% | +2,440 bps | |
| Net Interest Margin | 3.88% | 4.08% | 4.32% | 4.33% | 4.57% | +69 bps | |
| Efficiency Ratio | 62.55% | 61.67% | 62.02% | 58.24% | 36.64% | -2,591 bps | |
| Non-Interest Burden | 2.25% | 2.32% | 2.91% | 2.32% | -0.22% | -247 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.41% | -4.65% | 2.82% | 3.38% | 10.12% | +1,553 bps | |
| Loan Growth (YoY) | 3.43% | 7.20% | 10.51% | 9.13% | 8.55% | +513 bps | |
| Deposit Growth (YoY) | 1.97% | 2.91% | 3.45% | 4.18% | 7.08% | +512 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.00% | 0.08% | 0.06% | 0.03% | -4 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.13% | 0.02% | -0.05% | -0.03% | -11 bps | |
| Allowance / Loans | 0.97% | 0.95% | 0.88% | 0.88% | 0.82% | -15 bps | |
| Allowance Coverage of NPLs | 15.1x | n/a | 11.3x | 13.8x | 28.8x | +13.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.04% | 11.43% | 11.40% | 11.44% | 11.96% | +92 bps | |
| Total Risk-Based Capital | 15.15% | 14.79% | 14.79% | 15.58% | 16.53% | +137 bps | |
| Equity / Assets | 10.92% | 11.01% | 11.01% | 11.08% | 11.70% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.54% | 98.34% | 102.45% | 98.22% | 97.87% | +132 bps | |
| Liquid Assets / Assets | 2.69% | 3.37% | 2.81% | 3.16% | 2.67% | -2 bps | |
| CRE / Total Capital | n/a | 370% | 358% | 349% | n/a | n/a | |