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

PBFS · Sep 30, 2022

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

Filing0001558370-22-017859Bank
Sequential deposit growth54thOwn-history percentile · N=13
Evidence method

Sequential · gp.financial.deposits

5.88% · CORE · VALID

Net-income growth89thOwn-history percentile · N=9
Evidence method

Yoy · gp.fundamentals.net_income

285.70% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=10
Evidence method

Yoy · gp.financial.interest_expense

35.96% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=10
Evidence method

Yoy · gp.financial.interest_income

43.10% · CORE · VALID

Cash and equivalents86thOwn-history percentile · N=14
Evidence method

Level · gp.fundamentals.cash

$402.9M · CORE · VALID

Sequential loan growth92thOwn-history percentile · N=13
Evidence method

Sequential · gp.financial.loans

3.77% · 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
-1.82%
Current
5.88%
Delta
7.70%
Earnings Growth Decreased
Previous
854.41%
Current
285.70%
Delta
-568.71%
Funding Cost Growth Increased
Previous
-30.62%
Current
35.96%
Delta
66.57%
Interest Income Growth Increased
Previous
-0.19%
Current
43.10%
Delta
43.30%
Liquidity Increased
Previous
$376.1M
Current
$402.9M
Delta
$26.8M
Loan Growth Increased
Previous
1.63%
Current
3.77%
Delta
2.14%
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.