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 | |