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

PBFS · Mar 31, 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

Filing0001558370-22-008327Bank
Sequential deposit growth64thOwn-history percentile · N=11
Evidence method

Sequential · gp.financial.deposits

8.39% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-77.48% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growth75thOwn-history percentile · N=8
Evidence method

Yoy · gp.financial.interest_expense

-22.60% · CORE · VALID

Interest-income growth50thOwn-history percentile · N=8
Evidence method

Yoy · gp.financial.interest_income

-6.35% · CORE · VALID

Cash and equivalents92thOwn-history percentile · N=12
Evidence method

Level · gp.fundamentals.cash

$464.8M · CORE · VALID

Sequential loan growth27thOwn-history percentile · N=11
Evidence method

Sequential · gp.financial.loans

-2.71% · 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
-7.36%
Current
8.39%
Delta
15.75%
Earnings Growth Decreased
Previous
230.18%
Current
-77.48%
Delta
-307.66%
Funding Cost Growth Increased
Previous
-35.60%
Current
-22.60%
Delta
13.00%
Interest Income Growth Decreased
Previous
-3.44%
Current
-6.35%
Delta
-2.91%
Liquidity Increased
Previous
$349.1M
Current
$464.8M
Delta
$115.6M
Loan Growth Increased
Previous
-5.30%
Current
-2.71%
Delta
2.60%
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.