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

PBFS · Jun 30, 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

Filing0001558370-24-013020Bank
Sequential deposit growth25thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-5.93% · CORE · VALID

Net-income growth44thOwn-history percentile · N=16
Evidence method

Yoy · gp.fundamentals.net_income

-30.47% · CORE · VALID

Interest-expense growth82thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_expense

297.00% · CORE · VALID

Interest-income growth71thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_income

24.33% · CORE · VALID

Cash and equivalents30thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$165.2M · CORE · VALID

Sequential loan growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

2.43% · 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
8.27%
Current
-5.93%
Delta
-14.20%
Earnings Growth Decreased
Previous
-21.66%
Current
-30.47%
Delta
-8.81%
Funding Cost Growth Decreased
Previous
357.96%
Current
297.00%
Delta
-60.96%
Interest Income Growth Increased
Previous
23.09%
Current
24.33%
Delta
1.24%
Liquidity Decreased
Previous
$246.5M
Current
$165.2M
Delta
-$81.4M
Loan Growth Decreased
Previous
3.83%
Current
2.43%
Delta
-1.40%
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.