Pioneer Trust 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 Trust Bank, N.A. of Salem, OR against its peer group of 2603 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 | 2.61% | 1.34% | +1.27% | 95th top |
| ROAE | 17.25% | 13.32% | +3.93% | 77th top |
| Net Interest Margin | 4.54% | 3.93% | +0.61% | 80th top |
| Efficiency Ratio | 35.63% | 61.15% | -25.52% | 98th top |
| PPNR / Avg Assets | 3.73% | 1.68% | +2.05% | 98th top |
| Yield on Earning Assets | 5.93% | 5.67% | +0.26% | 65th above |
| Cost of Funds | 1.59% | 1.88% | -0.29% | 63rd above |
| Net Interest Spread | 4.17% | 3.32% | +0.85% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.32% | 0.94% | +0.38% | 21st bottom |
| NPA / Total Assets | 0.95% | 0.70% | +0.25% | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.75% | 1.28% | +0.47% | 88th top |
| ACL / NPLs (Coverage) | 132.20% | 1547.19% | -1414.99% | 37th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.78% | 7.34% | -1.56% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 373.13% | 1395.94% | -1022.81% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.92% | 19.48% | +0.44% | 77th top |
| Tier 1 Ratio | 19.92% | 19.52% | +0.40% | 77th top |
| Total Capital Ratio | 21.17% | 20.60% | +0.57% | 77th top |
| Leverage Ratio | 15.26% | 12.14% | +3.12% | 88th top |
| Equity / Assets | 15.25% | 11.36% | +3.89% | 89th top |
| TCE / Tangible Assets | 15.25% | 11.08% | +4.17% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.48% | 80.66% | +4.82% | 39th below |
| Core Deposit Ratio | 94.77% | 86.84% | +7.93% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.50% | 6.85% | -7.35% | 17th bottom |
| Loan Growth (Y/Y) | 1.07% | 7.92% | -6.85% | 27th below |
| Deposit Growth (Y/Y) | -1.59% | 6.29% | -7.88% | 15th bottom |
See Pioneer Trust Bank, N.A.'s peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pioneer Trust 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 Trust Bank, N.A. profile, how to read a UBPR, or how this data updates.