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

PBFS · Sep 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

Filing0001558370-24-015316Bank
Sequential deposit growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

8.06% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

84.50% · CORE · VALID

Interest-expense growth61thOwn-history percentile · N=18
Evidence method

Yoy · gp.financial.interest_expense

51.95% · CORE · VALID

Interest-income growth61thOwn-history percentile · N=18
Evidence method

Yoy · gp.financial.interest_income

20.95% · CORE · VALID

Cash and equivalents55thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$225.0M · CORE · VALID

Sequential loan growth80thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

4.14% · 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
-5.93%
Current
8.06%
Delta
14.00%
Earnings Growth Increased
Previous
-30.47%
Current
84.50%
Delta
114.97%
Funding Cost Growth Decreased
Previous
297.00%
Current
51.95%
Delta
-245.05%
Interest Income Growth Decreased
Previous
24.33%
Current
20.95%
Delta
-3.38%
Liquidity Increased
Previous
$165.2M
Current
$225.0M
Delta
$59.8M
Loan Growth Increased
Previous
2.43%
Current
4.14%
Delta
1.71%
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.