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

PBFS · Mar 31, 2024

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

Filing0001558370-24-007956Bank
Sequential deposit growth74thOwn-history percentile · N=19
Evidence method

Sequential · gp.financial.deposits

8.27% · CORE · VALID

Net-income growth47thOwn-history percentile · N=15
Evidence method

Yoy · gp.fundamentals.net_income

-21.66% · CORE · VALID

Interest-expense growth88thOwn-history percentile · N=16
Evidence method

Yoy · gp.financial.interest_expense

357.96% · CORE · VALID

Interest-income growth69thOwn-history percentile · N=16
Evidence method

Yoy · gp.financial.interest_income

23.09% · CORE · VALID

Cash and equivalents60thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$246.5M · CORE · VALID

Sequential loan growth79thOwn-history percentile · N=19
Evidence method

Sequential · gp.financial.loans

3.83% · 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
-7.12%
Current
8.27%
Delta
15.40%
Earnings Growth Increased
Previous
-48.37%
Current
-21.66%
Delta
26.71%
Funding Cost Growth Decreased
Previous
538.86%
Current
357.96%
Delta
-180.91%
Interest Income Growth Increased
Previous
19.51%
Current
23.09%
Delta
3.58%
Liquidity Increased
Previous
$139.6M
Current
$246.5M
Delta
$106.9M
Loan Growth Decreased
Previous
5.01%
Current
3.83%
Delta
-1.18%
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.