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

PBFS · Jun 30, 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

Filing0001558370-21-012827Bank
Sequential deposit growth38thOwn-history percentile · N=8
Evidence method

Sequential · gp.financial.deposits

-0.24% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-79.28% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-55.40% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-17.92% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents89thOwn-history percentile · N=9
Evidence method

Level · gp.fundamentals.cash

$325.0M · CORE · VALID

Sequential loan growth0thOwn-history percentile · N=8
Evidence method

Sequential · gp.financial.loans

-5.00% · 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
16.01%
Current
-0.24%
Delta
-16.25%
Earnings Growth Decreased
Previous
57.95%
Current
-79.28%
Delta
-137.23%
Funding Cost Growth Increased
Previous
-64.53%
Current
-55.40%
Delta
9.13%
Interest Income Growth Decreased
Previous
-17.67%
Current
-17.92%
Delta
-0.25%
Liquidity Decreased
Previous
$328.6M
Current
$325.0M
Delta
-$3.6M
Loan Growth Decreased
Previous
2.46%
Current
-5.00%
Delta
-7.46%
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.