Clewiston, FL · Cert 9620 · Pioneer Bankcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
61
Profitability
79
Liquidity
64
Efficiency
79
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clewiston, FL · Cert 9620 · Pioneer Bankcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Cape Coral-Fort Myers, FL · 2026 SOD (annual) · 0.6% share · #25 of 34 inst. · $0.1B of $21.1B
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 | 1.27% | 1.28% | 1.29% | 1.41% | 1.46% | 1.46% | 1.44% | 1.48% | +7 bps | |
| Return on Equity | 14.97% | 14.94% | 15.00% | 16.30% | 16.41% | 16.26% | 15.42% | 15.69% | -61 bps | |
| Net Interest Margin | 3.39% | 3.48% | 3.65% | 3.69% | 3.80% | 3.81% | 3.96% | 4.01% | +32 bps | |
| Efficiency Ratio | 58.76% | 58.82% | 58.10% | 55.26% | 54.44% | 54.31% | 55.81% | 55.97% | +71 bps | |
| Non-Interest Burden | 1.72% | 1.78% | 1.88% | 1.79% | 1.81% | 1.81% | 1.96% | 2.00% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 4.98% | 12.75% | 9.87% | 7.96% | 10.27% | 1.12% | 1.33% | -854 bps | |
| Loan Growth (YoY) | 4.09% | 6.31% | 4.22% | 10.41% | 9.63% | 9.05% | 8.23% | 5.54% | -487 bps | |
| Deposit Growth (YoY) | 3.21% | 4.31% | 12.57% | 9.36% | 7.42% | 9.47% | 0.12% | 0.45% | -891 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.00% | 0.00% | 0.00% | 0.02% | 0.04% | 0.04% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.71% | 1.70% | 1.73% | 1.67% | 1.75% | 1.73% | 1.78% | 1.74% | +7 bps | |
| Allowance Coverage of NPLs | 18.2x | n/a | n/a | n/a | 73.0x | 40.2x | 50.3x | 5.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.17% | 9.46% | 9.20% | 9.12% | 9.47% | 9.64% | 9.43% | 9.70% | +58 bps | |
| Total Risk-Based Capital | 16.11% | 15.81% | 15.96% | 15.51% | 16.01% | 16.05% | 16.00% | 16.07% | +57 bps | |
| Equity / Assets | 9.10% | 8.80% | 8.37% | 8.83% | 9.54% | 9.50% | 9.21% | 9.56% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.95% | 66.49% | 60.37% | 65.70% | 66.29% | 66.24% | 65.26% | 69.03% | +333 bps | |
| Liquid Assets / Assets | 8.63% | 8.31% | 14.74% | 9.28% | 5.48% | 6.50% | 7.30% | 4.61% | -466 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 289% | 293% | 299% | n/a | n/a | |
Clewiston, FL · Cert 9620 · Peer group: banks under $1B in assets (n=581-629) · Pioneer Bankcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
1.49%
Rank 147 of 629
Net Interest Margin
4.01%
Rank 169 of 629
Efficiency Ratio
55.97%
Rank 130 of 629
Equity / Assets
9.56%
Rank 419 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.60% | 1.01% | 1.45% | Beats 77% | 147 / 629 | ||
| Return on Equity | 15.57% | 5.38% | 9.30% | 13.28% | Beats 86% | 91 / 629 | ||
| Net Interest Margin | 4.01% | 3.03% | 3.54% | 4.05% | Beats 73% | 169 / 629 | ||
| Efficiency Ratio | 55.97% | 58.35% | 67.79% | 79.08% | Beats 79% | 130 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 57% | 249 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 65% | 207 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.82% | 11.24% | 13.84% | 18.77% | Beats 58% | 262 / 629 | ||
| Total Risk-Based Capital Ratio | 16.07% | 11.58% | 14.43% | 19.66% | Beats 62% | 241 / 629 | ||
| Equity / Assets | 9.56% | 9.09% | 10.65% | 13.80% | Beats 33% | 419 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.03% | 67.24% | 80.90% | 93.48% | 29th pctl | 423 / 594 | ||
| Loans / Assets | 61.94% | 53.31% | 67.71% | 78.15% | 38th pctl | 389 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||