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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.41% | 1.46% | 1.46% | 1.44% | 1.48% | +7 bps | |
| Return on Equity | 16.30% | 16.41% | 16.26% | 15.42% | 15.69% | -61 bps | |
| Net Interest Margin | 3.69% | 3.80% | 3.81% | 3.96% | 4.01% | +32 bps | |
| Efficiency Ratio | 55.26% | 54.44% | 54.31% | 55.81% | 55.97% | +71 bps | |
| Non-Interest Burden | 1.79% | 1.81% | 1.81% | 1.96% | 2.00% | +21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.87% | 7.96% | 10.27% | 1.12% | 1.33% | -854 bps | |
| Loan Growth (YoY) | 10.41% | 9.63% | 9.05% | 8.23% | 5.54% | -487 bps | |
| Deposit Growth (YoY) | 9.36% | 7.42% | 9.47% | 0.12% | 0.45% | -891 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.02% | 0.04% | 0.04% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.67% | 1.75% | 1.73% | 1.78% | 1.74% | +7 bps | |
| Allowance Coverage of NPLs | n/a | 73.0x | 40.2x | 50.3x | 5.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.12% | 9.47% | 9.64% | 9.43% | 9.70% | +58 bps | |
| Total Risk-Based Capital | 15.51% | 16.01% | 16.05% | 16.00% | 16.07% | +57 bps | |
| Equity / Assets | 8.83% | 9.54% | 9.50% | 9.21% | 9.56% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.70% | 66.29% | 66.24% | 65.26% | 69.03% | +333 bps | |
| Liquid Assets / Assets | 9.28% | 5.48% | 6.50% | 7.30% | 4.61% | -466 bps | |
| CRE / Total Capital | n/a | 289% | 293% | 299% | n/a | n/a | |