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

PBFS · Jun 30, 2023

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

Filing0001558370-23-016048Bank
Sequential deposit growth38thOwn-history percentile · N=16
Evidence method

Sequential · gp.financial.deposits

-1.45% · CORE · VALID

Net-income growth67thOwn-history percentile · N=12
Evidence method

Yoy · gp.fundamentals.net_income

113.52% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=13
Evidence method

Yoy · gp.financial.interest_expense

275.14% · CORE · VALID

Interest-income growth85thOwn-history percentile · N=13
Evidence method

Yoy · gp.financial.interest_income

62.02% · CORE · VALID

Cash and equivalents18thOwn-history percentile · N=17
Evidence method

Level · gp.fundamentals.cash

$150.5M · CORE · VALID

Sequential loan growth100thOwn-history percentile · N=16
Evidence method

Sequential · gp.financial.loans

5.33% · 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
1.70%
Current
-1.45%
Delta
-3.15%
Earnings Growth Decreased
Previous
1894.70%
Current
113.52%
Delta
-1781.18%
Funding Cost Growth Increased
Previous
272.57%
Current
275.14%
Delta
2.57%
Interest Income Growth Decreased
Previous
83.30%
Current
62.02%
Delta
-21.28%
Liquidity Increased
Previous
$145.1M
Current
$150.5M
Delta
$5.4M
Loan Growth Increased
Previous
3.64%
Current
5.33%
Delta
1.70%
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.