Pioneer Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pioneer Bank of Sergeant Bluff, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.35% | +0.38% | 75th top |
| ROAE | 17.14% | 12.05% | +5.09% | 76th top |
| Net Interest Margin | 3.81% | 3.90% | -0.09% | 43rd below |
| Efficiency Ratio | 49.94% | 63.15% | -13.21% | 81st top |
| PPNR / Avg Assets | 1.94% | 1.64% | +0.30% | 70th above |
| Yield on Earning Assets | 5.50% | 5.65% | -0.15% | 45th below |
| Cost of Funds | 1.86% | 1.85% | +0.01% | 46th below |
| Net Interest Spread | 3.20% | 3.35% | -0.15% | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.92% | -0.83% | 74th above |
| NPA / Total Assets | 0.07% | 0.67% | -0.60% | 75th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.38% | 1.28% | +0.10% | 70th above |
| ACL / NPLs (Coverage) | 1494.79% | 1645.20% | -150.41% | — |
| Texas Ratio | 0.59% | 7.15% | -6.56% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.56% | 12.46% | -1.90% | 43rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.67% | -1.20% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.47% | 11.40% | -0.93% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.76% | 78.64% | +7.12% | 38th below |
| Core Deposit Ratio | 92.02% | 87.09% | +4.93% | 67th above |
| Wholesale Funding Ratio | 2.50% | 5.11% | -2.61% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.38% | 6.48% | -10.86% | 5th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.19% | 7.64% | -0.45% | 61st above |
| Deposit Growth (Y/Y) | -8.48% | 6.03% | -14.51% | 3rd bottom |
See Pioneer Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pioneer Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Pioneer Bank profile, how to read a UBPR, or how this data updates.