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

PBFS · Sep 30, 2021

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

Filing0001558370-21-015300Bank
Sequential deposit growth89thOwn-history percentile · N=9
Evidence method

Sequential · gp.financial.deposits

11.33% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-2.65% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-46.71% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-4.06% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents100thOwn-history percentile · N=10
Evidence method

Level · gp.fundamentals.cash

$478.6M · CORE · VALID

Sequential loan growth11thOwn-history percentile · N=9
Evidence method

Sequential · gp.financial.loans

-3.00% · 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
-0.24%
Current
11.33%
Delta
11.57%
Earnings Growth Increased
Previous
-79.28%
Current
-2.65%
Delta
76.63%
Funding Cost Growth Increased
Previous
-55.40%
Current
-46.71%
Delta
8.69%
Interest Income Growth Increased
Previous
-17.92%
Current
-4.06%
Delta
13.86%
Liquidity Increased
Previous
$325.0M
Current
$478.6M
Delta
$153.6M
Loan Growth Increased
Previous
-5.00%
Current
-3.00%
Delta
2.00%
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.