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

PBFS · Dec 31, 2021

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

Filing0001558370-22-000958Bank
Sequential deposit growth10thOwn-history percentile · N=10
Evidence method

Sequential · gp.financial.deposits

-7.36% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

230.18% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-35.60% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-3.44% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents91thOwn-history percentile · N=11
Evidence method

Level · gp.fundamentals.cash

$349.1M · CORE · VALID

Sequential loan growth0thOwn-history percentile · N=10
Evidence method

Sequential · gp.financial.loans

-5.30% · CORE · VALID

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 Decreased
Previous
11.33%
Current
-7.36%
Delta
-18.69%
Earnings Growth Increased
Previous
-2.65%
Current
230.18%
Delta
232.84%
Funding Cost Growth Increased
Previous
-46.71%
Current
-35.60%
Delta
11.11%
Interest Income Growth Increased
Previous
-4.06%
Current
-3.44%
Delta
0.61%
Liquidity Decreased
Previous
$478.6M
Current
$349.1M
Delta
-$129.4M
Loan Growth Decreased
Previous
-3.00%
Current
-5.30%
Delta
-2.30%
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.