Pioneer Bancorp Inc - Asset Resilience Ratio
Pioneer Bancorp Inc (PBFS) has an Asset Resilience Ratio of 10.25% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read PBFS liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2017–2025)
This chart shows how Pioneer Bancorp Inc's Asset Resilience Ratio has changed over time. See Pioneer Bancorp Inc book value and equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Pioneer Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market value of Pioneer Bancorp Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $220.43 Million | 10.25% |
| Total Liquid Assets | $220.43 Million | 10.25% |
Asset Resilience Insights
- Moderate Liquidity: Pioneer Bancorp Inc has 10.25% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Pioneer Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Pioneer Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for Pioneer Bancorp Inc (2017–2025)
The table below shows the annual Asset Resilience Ratio data for Pioneer Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-06-30 | 13.75% | $288.22 Million | $2.10 Billion | +0.17pp |
| 2024-06-30 | 13.58% | $257.41 Million | $1.90 Billion | -9.67pp |
| 2023-06-30 | 23.26% | $431.67 Million | $1.86 Billion | -1.27pp |
| 2022-06-30 | 24.53% | $481.79 Million | $1.96 Billion | +9.80pp |
| 2021-06-30 | 14.73% | $264.60 Million | $1.80 Billion | +9.77pp |
| 2020-06-30 | 4.96% | $75.77 Million | $1.53 Billion | -0.94pp |
| 2019-06-30 | 5.90% | $86.69 Million | $1.47 Billion | -0.95pp |
| 2018-06-30 | 6.86% | $88.06 Million | $1.28 Billion | -0.37pp |
| 2017-06-30 | 7.23% | $81.97 Million | $1.13 Billion | -- |
About Pioneer Bancorp Inc
Pioneer Bancorp, Inc. operates as a holding company for Pioneer Bank, National Association that provides various banking products and services in New York. It accepts various deposit accounts, such as demand, savings, and money market accounts, as well as certificates of deposit. The company's loan products include commercial real estate, commercial and industrial, commercial construction, reside… Read more