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 Roswell, NM against its peer group of 931 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 | 2.89% | 1.46% | +1.43% | 97th top |
| ROAE | 27.87% | 12.71% | +15.16% | 97th top |
| Net Interest Margin | 5.08% | 3.85% | +1.23% | 95th top |
| Efficiency Ratio | 46.52% | 57.41% | -10.89% | 83rd top |
| PPNR / Avg Assets | 3.02% | 1.88% | +1.14% | 95th top |
| Yield on Earning Assets | 5.91% | 5.72% | +0.19% | 72nd above |
| Cost of Funds | 0.87% | 2.02% | -1.15% | 97th top |
| Net Interest Spread | 4.67% | 3.18% | +1.49% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.52% | 1.00% | +1.52% | 7th bottom |
| NPA / Total Assets | 1.67% | 0.76% | +0.91% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.43% | -0.28% | 22nd bottom |
| ACL / Total Loans | 2.01% | 1.31% | +0.70% | 96th top |
| ACL / NPLs (Coverage) | 79.85% | 543.55% | -463.70% | 20th bottom |
| Texas Ratio | 14.27% | 7.39% | +6.88% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.51% | 17.34% | +0.17% | 85th top |
| Tier 1 Ratio | 17.51% | 17.37% | +0.14% | 85th top |
| Total Capital Ratio | 18.77% | 18.42% | +0.35% | 85th top |
| Leverage Ratio | 12.32% | 11.44% | +0.88% | 79th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.62% | 11.34% | -0.72% | 54th above |
| TCE / Tangible Assets | 10.62% | 10.50% | +0.12% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.81% | 86.96% | -13.15% | 81st top |
| Core Deposit Ratio | 97.56% | 85.55% | +12.01% | 95th top |
| Uninsured Deposit Ratio | 18.72% | 33.13% | -14.41% | 86th top |
| Wholesale Funding Ratio | 10.26% | 5.70% | +4.56% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.96% | 9.68% | -7.72% | 28th below |
| Loan Growth (Y/Y) | 2.43% | 8.06% | -5.63% | 31st below |
| Deposit Growth (Y/Y) | 0.40% | 7.87% | -7.47% | 21st bottom |
See Pioneer Bank's peers by name
The 931 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.