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. See Pioneer Bancorp Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see Pioneer Bancorp Inc asset portfolio.
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. Explore investment intensity of Pioneer Bancorp Inc to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Bendigo and Adelaide Bank Ltd
AU:BEN |
Banks - Regional | -3.55% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
First Mid Illinois Bancshares Inc
NASDAQ:FMBH |
Banks - Regional | 12.77% |
|
Banco Mercantil do Brasil S.A
SA:BMEB3 |
Banks - Regional | -18.66% |
|
Southern California Bancorp Common Stock
NASDAQ:BCAL |
Banks - Regional | 7.67% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Banco Hipotecario SA
BA:BHIP |
Banks - Regional | 4.67% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
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