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 Stanley, VA 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 | 3.93% | 1.34% | +2.59% | 99th top |
| ROAE | 34.78% | 12.05% | +22.73% | 99th top |
| Net Interest Margin | 4.77% | 3.90% | +0.87% | 88th top |
| Efficiency Ratio | 36.62% | 63.16% | -26.54% | 97th top |
| PPNR / Avg Assets | 4.79% | 1.64% | +3.15% | 99th top |
| Yield on Earning Assets | 6.26% | 5.65% | +0.61% | 79th top |
| Cost of Funds | 1.63% | 1.85% | -0.22% | 61st above |
| Net Interest Spread | 3.91% | 3.35% | +0.56% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 12th bottom |
| Texas Ratio | 0.18% | 7.15% | -6.97% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.67% | 20.83% | -5.16% | 55th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.67% | 20.86% | -5.19% | 55th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.53% | 21.94% | -5.41% | 52nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.96% | 12.46% | -0.50% | 65th above |
| Equity / Assets | 11.70% | 11.67% | +0.03% | 68th above |
| TCE / Tangible Assets | 11.70% | 11.40% | +0.30% | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.87% | 78.64% | +19.23% | 14th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.25% | 87.09% | +0.16% | 40th below |
| Wholesale Funding Ratio | 8.07% | 5.11% | +2.96% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.12% | 6.47% | +3.65% | 83rd top |
| Loan Growth (Y/Y) | 8.55% | 7.64% | +0.91% | 68th above |
| Deposit Growth (Y/Y) | 7.08% | 6.02% | +1.06% | 71st above |
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.