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

PBFS · Jun 30, 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

Filing0001558370-22-014598Bank
Sequential deposit growth33thOwn-history percentile · N=12
Evidence method

Sequential · gp.financial.deposits

-1.82% · CORE · VALID

Net-income growth100thOwn-history percentile · N=8
Evidence method

Yoy · gp.fundamentals.net_income

854.41% · CORE · VALID

Interest-expense growth67thOwn-history percentile · N=9
Evidence method

Yoy · gp.financial.interest_expense

-30.62% · CORE · VALID

Interest-income growth100thOwn-history percentile · N=9
Evidence method

Yoy · gp.financial.interest_income

-0.19% · CORE · VALID

Cash and equivalents85thOwn-history percentile · N=13
Evidence method

Level · gp.fundamentals.cash

$376.1M · CORE · VALID

Sequential loan growth67thOwn-history percentile · N=12
Evidence method

Sequential · gp.financial.loans

1.63% · 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
8.39%
Current
-1.82%
Delta
-10.21%
Earnings Growth Increased
Previous
-77.48%
Current
854.41%
Delta
931.89%
Funding Cost Growth Decreased
Previous
-22.60%
Current
-30.62%
Delta
-8.01%
Interest Income Growth Increased
Previous
-6.35%
Current
-0.19%
Delta
6.16%
Liquidity Decreased
Previous
$464.8M
Current
$376.1M
Delta
-$88.7M
Loan Growth Increased
Previous
-2.71%
Current
1.63%
Delta
4.34%
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.