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

PBFS · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001104659-26-093436Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

6.30% · CORE · VALID

Net-income growth32thOwn-history percentile · N=19
Evidence method

Yoy · gp.fundamentals.net_income

-45.99% · CORE · VALID

Interest-income growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

18.02% · CORE · VALID

Cash and equivalents0thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$94.6M · CORE · VALID

Sequential loan growth100thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

9.99% · 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
6.51%
Current
6.30%
Delta
-0.21%
Earnings Growth Decreased
Previous
-8.21%
Current
-45.99%
Delta
-37.79%
Interest Income Growth Increased
Previous
9.76%
Current
18.02%
Delta
8.25%
Liquidity Decreased
Previous
$156.9M
Current
$94.6M
Delta
-$62.4M
Loan Growth Increased
Previous
3.32%
Current
9.99%
Delta
6.67%
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.

Mar 31, 2025
Similarity
94%
Compared
3 dimensions
Coverage
60%
Liquidity 5.0 · Loan Growth 0.0 · Deposit Growth 10.0
Dec 31, 2023
Similarity
77%
Compared
5 dimensions
Coverage
100%
Liquidity 5.3 · Loan Growth 11.1 · Deposit Growth 48.3 · Earnings Growth 4.1 · Interest Income Growth 11.7
Jun 30, 2023
Similarity
75%
Compared
5 dimensions
Coverage
100%
Liquidity 17.6 · Loan Growth 0.0 · Deposit Growth 27.5 · Earnings Growth 35.1 · Interest Income Growth 29.6
Mar 31, 2026
Similarity
71%
Compared
5 dimensions
Coverage
100%
Liquidity 35.0 · Loan Growth 50.0 · Deposit Growth 5.0 · Earnings Growth 18.4 · Interest Income Growth 2.4
Jun 30, 2024
Similarity
69%
Compared
5 dimensions
Coverage
100%
Liquidity 30.0 · Loan Growth 45.0 · Deposit Growth 40.0 · Earnings Growth 12.2 · Interest Income Growth 15.6
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.