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

PBFS · Mar 31, 2025

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

Filing0001558370-25-007177Bank
Sequential deposit growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.77% · CORE · VALID

Cash and equivalents5thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$139.6M · CORE · VALID

Sequential loan growth100thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

6.25% · 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
Jun 30, 20213/6 normalizedLevel 3Sep 30, 20213/6 normalizedLevel 3Dec 31, 20213/6 normalizedLevel 3Mar 31, 20225/6 normalizedLevel 3Jun 30, 20226/6 normalizedLevel 3Sep 30, 20226/6 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20236/6 normalizedLevel 3Jun 30, 20236/6 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20246/6 normalizedLevel 3Sep 30, 20246/6 normalizedLevel 3Mar 31, 20253/3 normalizedLevel 3Jun 30, 20253/3 normalizedLevel 3Sep 30, 20253/3 normalizedLevel 3Dec 31, 20253/3 normalizedLevel 3Mar 31, 20265/5 normalizedLevel 3Jun 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
8.06%
Current
2.77%
Delta
-5.30%
Liquidity Decreased
Previous
$225.0M
Current
$139.6M
Delta
-$85.3M
Loan Growth Increased
Previous
4.14%
Current
6.25%
Delta
2.11%
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

Transitioned To · PBFS Fundamental State →Analogous To · PBFS state analogue 1 →Transitioned To · PBFS Fundamental State →Transitioned To · PBFS DEPOSIT_GROWTH_DECREASED →Transitioned To · PBFS LIQUIDITY_DECREASED →Transitioned To · PBFS LOAN_GROWTH_INCREASED →

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.