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 | |