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BDI
PS

Pioneer State Bank

Deer Lodge, MontanaFDIC Cert #29517

STATEEstablished 19122 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
−0.76%
−6.4%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNETINC + ROA
ROE
−5.01%
−14.8%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNETINC + ROE
Pretax ROA
−1.03%
−55.0%y/y
Peer standing3rd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICPTAXNETINC + ASSET
NIM
3.33%
+3.1%y/y
Peer standing54th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNIM + NIMY
Earning yield
5.16%
+4.1%y/y
Peer standing51st percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICINTINCY
IB deposit cost
2.28%
−0.4%y/y
Peer standing58th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
126.55%
+5.1%y/y
Peer standing4th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
4.11%
+5.4%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONIX + ASSET
Fee share
7.53%
−11.3%y/y
Percentile by value43rd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNONII + NIM
Assets YoY
+9.32%
+2,161.0%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICASSET
Deposits YoY
+12.35%
+1,336.9%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICDEP
Loans YoY
+5.10%
+55.2%y/y
Percentile by value64th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
4th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th −0.29%Median 0.54%90th 1.29%Observations 122
ROE
FDICNETINC + ROE
7th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th −2.92%Median 3.81%90th 10.96%Observations 122
NIM
FDICNIM + NIMY
54th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.30%Median 3.25%90th 4.34%Observations 122
Efficiency
FDICNONIX + NIM + NONII + EEFFR
4th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 63.44%Median 82.11%90th 104.64%Observations 122
Deposits YoY
FDICDEP
91st percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −3.92%Median +1.92%90th +10.47%Observations 122
Loans YoY
FDICLNLSNET
63rd percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −4.29%Median +3.30%90th +13.67%Observations 117
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
13th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.02%Median 0.53%90th 1.78%Observations 117
Leverage
FDICRBC1AAJ
73rd percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.93%Median 12.23%90th 24.78%Observations 122

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
58th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.29%Median 2.36%90th 3.68%Observations 121
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 2%Median 49%90th 174%Observations 58

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.