Pioneer Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Pioneer Bancorp has total assets of $1.9B and total equity of $283.8M. Total deposits are $1.5B, and total loans are $1.3B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are $139.8M.
Key information
6.5x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$1.52b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$139.80m |
Recent financial health updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBFS's Assets to Equity ratio (6.5x) is low.
Allowance for Bad Loans: PBFS has a sufficient allowance for bad loans (178%).
Low Risk Liabilities: 97% of PBFS's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBFS has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: PBFS's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: PBFS has an appropriate level of bad loans (0.9%).