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 Mapleton, MN 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 | 1.52% | 1.35% | +0.17% | 64th above |
| ROAE | 15.06% | 12.05% | +3.01% | 66th above |
| Net Interest Margin | 4.23% | 3.90% | +0.33% | 66th above |
| Efficiency Ratio | 56.50% | 63.15% | -6.65% | 65th above |
| PPNR / Avg Assets | 1.88% | 1.64% | +0.24% | 67th above |
| Yield on Earning Assets | 6.43% | 5.65% | +0.78% | 85th top |
| Cost of Funds | 2.33% | 1.85% | +0.48% | 20th bottom |
| Net Interest Spread | 3.76% | 3.35% | +0.41% | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.58% | 0.92% | -0.34% | 42nd below |
| NPA / Total Assets | 0.67% | 0.67% | +0.00% | 31st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.15% | -0.13% | 35th below |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 176.35% | 1645.76% | -1469.41% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.85% | 7.15% | -0.30% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 444.44% | 1189.65% | -745.21% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.65% | 20.83% | -7.18% | 35th below |
| Tier 1 Ratio | 13.65% | 20.87% | -7.22% | 35th below |
| Total Capital Ratio | 14.66% | 21.94% | -7.28% | 34th below |
| Leverage Ratio | 10.20% | 12.46% | -2.26% | 36th below |
| Equity / Assets | 10.17% | 11.67% | -1.50% | 47th below |
| TCE / Tangible Assets | 9.14% | 11.40% | -2.26% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.07% | 78.64% | +6.43% | 40th below |
| Core Deposit Ratio | 90.19% | 87.09% | +3.10% | 56th above |
| Wholesale Funding Ratio | 2.89% | 5.11% | -2.22% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.29% | 6.48% | -3.19% | 42nd below |
| Loan Growth (Y/Y) | 3.72% | 7.64% | -3.92% | 41st below |
| Deposit Growth (Y/Y) | 3.89% | 6.02% | -2.13% | 49th below |
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.