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

PBFS · Mar 31, 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

Filing0001558370-21-007262Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

16.01% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

57.95% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-64.53% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-17.67% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents100thOwn-history percentile · N=8
Evidence method

Level · gp.fundamentals.cash

$328.6M · CORE · VALID

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

2.46% · CORE · NOT_ENOUGH_HISTORY

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
-4.23%
Current
16.01%
Delta
20.24%
Earnings Growth Increased
Previous
-50.78%
Current
57.95%
Delta
108.73%
Funding Cost Growth Decreased
Previous
-56.23%
Current
-64.53%
Delta
-8.31%
Interest Income Growth Increased
Previous
-18.74%
Current
-17.67%
Delta
1.07%
Liquidity Increased
Previous
$196.0M
Current
$328.6M
Delta
$132.6M
Loan Growth Increased
Previous
-2.34%
Current
2.46%
Delta
4.79%
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.