Pioneer Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pioneer Bank & Trust of Belle Fourche, SD 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 Behind the peer average, ahead of the median peer. | 1.38% | 1.46% | -0.08% | 59th above |
| ROAE | 13.40% | 12.72% | +0.68% | 59th above |
| Net Interest Margin | 3.92% | 3.85% | +0.07% | 64th above |
| Efficiency Ratio | 48.61% | 57.41% | -8.80% | 78th top |
| PPNR / Avg Assets | 2.18% | 1.88% | +0.30% | 77th top |
| Yield on Earning Assets | 5.20% | 5.72% | -0.52% | 30th below |
| Cost of Funds | 1.39% | 2.02% | -0.63% | 84th top |
| Net Interest Spread | 3.41% | 3.18% | +0.23% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.46% | 1.00% | -0.54% | 61st above |
| NPA / Total Assets | 0.25% | 0.76% | -0.51% | 69th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.25% | 0.43% | -0.18% | 16th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.15% | 1.31% | -0.16% | 50th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 247.23% | 543.47% | -296.24% | 63rd above |
| Texas Ratio | 2.28% | 7.39% | -5.11% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 221.33% | 618.79% | -397.46% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.59% | 17.34% | +1.25% | 88th top |
| Tier 1 Ratio | 18.59% | 17.37% | +1.22% | 88th top |
| Total Capital Ratio | 19.60% | 18.42% | +1.18% | 88th top |
| Leverage Ratio | 11.61% | 11.44% | +0.17% | 71st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.42% | 11.34% | -0.92% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.42% | 10.50% | -0.08% | 63rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.22% | 86.96% | -25.74% | 93rd top |
| Core Deposit Ratio | 91.69% | 85.55% | +6.14% | 66th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.29% | 9.68% | -4.39% | 50th above |
| Loan Growth (Y/Y) | 3.72% | 8.06% | -4.34% | 39th below |
| Deposit Growth (Y/Y) | 4.28% | 7.87% | -3.59% | 47th below |
See Pioneer Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pioneer Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.