Pioneer Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pioneer Bank, N.A. of Albany, NY 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 | 0.50% | 1.46% | -0.96% | 9th bottom |
| ROAE | 4.06% | 12.72% | -8.66% | 8th bottom |
| Net Interest Margin | 4.04% | 3.85% | +0.19% | 71st above |
| Efficiency Ratio | 79.75% | 57.39% | +22.36% | 7th bottom |
| PPNR / Avg Assets | 0.94% | 1.88% | -0.94% | 14th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.71% | 5.72% | -0.01% | 60th above |
| Cost of Funds | 1.87% | 2.02% | -0.15% | 58th above |
| Net Interest Spread | 3.23% | 3.18% | +0.05% | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.48% | 1.00% | -0.52% | 59th above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.31% | 0.43% | -0.12% | 13th bottom |
| ACL / Total Loans | 1.48% | 1.31% | +0.17% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 308.30% | 543.57% | -235.27% | 70th above |
| Texas Ratio | 3.31% | 7.39% | -4.08% | 62nd above |
| Provision / NCO | 112.73% | 619.14% | -506.41% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.22% | 17.34% | -4.12% | 46th below |
| Tier 1 Ratio | 13.22% | 17.37% | -4.15% | 45th below |
| Total Capital Ratio | 14.48% | 18.42% | -3.94% | 47th below |
| Leverage Ratio | 9.97% | 11.44% | -1.47% | 36th below |
| Equity / Assets | 12.20% | 11.33% | +0.87% | 77th top |
| TCE / Tangible Assets | 10.72% | 10.50% | +0.22% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.54% | 86.95% | +7.59% | 31st below |
| Core Deposit Ratio | 83.85% | 85.56% | -1.71% | 30th below |
| Uninsured Deposit Ratio | 39.04% | 33.12% | +5.92% | 29th below |
| Wholesale Funding Ratio | 0.46% | 5.71% | -5.25% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.63% | 9.68% | +1.95% | 81st top |
| Loan Growth (Y/Y) | 21.21% | 8.04% | +13.17% | 92nd top |
| Deposit Growth (Y/Y) | 12.03% | 7.87% | +4.16% | 81st top |
See Pioneer Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pioneer Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.