GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

PBFS · Sep 30, 2020

Pioneer Bancorp, Inc./MD. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001544784-21-000002Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

8.74% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-46.12% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-24.13% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$262.2M · CORE · NOT_ENOUGH_HISTORY

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

-0.90% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History30 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
2.62%
Current
8.74%
Delta
6.12%
Funding Cost Growth Decreased
Previous
5.60%
Current
-46.12%
Delta
-51.72%
Interest Income Growth Decreased
Previous
-1.18%
Current
-24.13%
Delta
-22.95%
Liquidity Increased
Previous
$156.9M
Current
$262.2M
Delta
$105.3M
Loan Growth Decreased
Previous
4.21%
Current
-0.90%
Delta
-5.11%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.