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

PBFS · Sep 30, 2023

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

Filing0001558370-23-019064Bank
Sequential deposit growth65thOwn-history percentile · N=17
Evidence method

Sequential · gp.financial.deposits

6.29% · CORE · VALID

Net-income growth38thOwn-history percentile · N=13
Evidence method

Yoy · gp.fundamentals.net_income

-34.68% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=14
Evidence method

Yoy · gp.financial.interest_expense

723.55% · CORE · VALID

Interest-income growth71thOwn-history percentile · N=14
Evidence method

Yoy · gp.financial.interest_income

32.68% · CORE · VALID

Cash and equivalents50thOwn-history percentile · N=18
Evidence method

Level · gp.fundamentals.cash

$216.5M · CORE · VALID

Sequential loan growth94thOwn-history percentile · N=17
Evidence method

Sequential · gp.financial.loans

5.19% · 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
-1.45%
Current
6.29%
Delta
7.74%
Earnings Growth Decreased
Previous
113.52%
Current
-34.68%
Delta
-148.20%
Funding Cost Growth Increased
Previous
275.14%
Current
723.55%
Delta
448.42%
Interest Income Growth Decreased
Previous
62.02%
Current
32.68%
Delta
-29.35%
Liquidity Increased
Previous
$150.5M
Current
$216.5M
Delta
$66.1M
Loan Growth Decreased
Previous
5.33%
Current
5.19%
Delta
-0.15%
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.