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

PBFS · Mar 31, 2023

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

Filing0001558370-23-009919Bank
Sequential deposit growth47thOwn-history percentile · N=15
Evidence method

Sequential · gp.financial.deposits

1.70% · CORE · VALID

Net-income growth100thOwn-history percentile · N=11
Evidence method

Yoy · gp.fundamentals.net_income

1894.70% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=12
Evidence method

Yoy · gp.financial.interest_expense

272.57% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=12
Evidence method

Yoy · gp.financial.interest_income

83.30% · CORE · VALID

Cash and equivalents6thOwn-history percentile · N=16
Evidence method

Level · gp.fundamentals.cash

$145.1M · CORE · VALID

Sequential loan growth87thOwn-history percentile · N=15
Evidence method

Sequential · gp.financial.loans

3.64% · 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 Increased
Previous
-13.53%
Current
1.70%
Delta
15.23%
Earnings Growth Increased
Previous
-1.18%
Current
1894.70%
Delta
1895.88%
Funding Cost Growth Increased
Previous
134.44%
Current
272.57%
Delta
138.12%
Interest Income Growth Increased
Previous
65.69%
Current
83.30%
Delta
17.61%
Liquidity Decreased
Previous
$147.3M
Current
$145.1M
Delta
-$2.3M
Loan Growth Increased
Previous
2.79%
Current
3.64%
Delta
0.84%
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.