Pioneer Bankshares, Inc. (PNBI)

Pioneer Bankshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	18.13	17.63	15.43	12.45	9.47	11.37
Interest Income on Investments	1.85	1.85	2.88	1.63	1.23	0.53
Total Interest Income	19.97	19.48	18.31	14.08	10.7	11.9
Interest Paid on Deposits	4.3	4.41	4.57	2.44	0.51	0.48
Interest Paid on Borrowings	1.12	1.12	1.95	0.71	0.09	0.09
Total Interest Expense	5.42	5.53	6.52	3.15	0.6	0.57
Net Interest Income	14.55	13.95	11.79	10.94	10.1	11.33
Net Interest Income Growth (YoY)	18.92%	18.34%	7.78%	8.28%	-10.87%	14.68%
Gain (Loss) on Sale of Assets	-	-	-	-0.14	0.32	-0
Gain (Loss) on Sale of Investments	-0.13	-0.13	0.01	0.09	0.42	0.5
Other Non-Interest Income	0.26	0.25	0.17	0.17	0.16	0.19
Total Non-Interest Income	1.51	1.5	1.51	1.41	2.19	1.89
Non-Interest Income Growth (YoY)	-3.09%	-0.93%	6.87%	-35.47%	15.95%	11.39%
Revenues Before Loan Losses	16.05	15.44	13.3	12.35	12.29	13.22
Provision for Loan Losses	0.2	0.19	0.35	0.82	-0.25	-0.28
Revenue	15.86	15.25	12.95	11.52	12.53	13.5
Revenue Growth (YoY)	17.01%	17.78%	12.37%	-8.06%	-7.16%	25.93%
Salaries and Employee Benefits	5.32	5.32	5.02	4.54	4.56	4.22
Amortization of Goodwill & Intangibles	-	-	-	0.23	0.33	0.49
Selling, General & Administrative	1.78	1.78	1.85	2.09	2.41	2.45
Other Non-Interest Expense	2.89	2.77	2.74	2.51	2.22	2.12
Total Non-Interest Expense	9.99	9.87	9.61	9.37	9.53	9.27
EBT Excluding Unusual Items	5.87	5.38	3.34	2.16	3	4.23
Pretax Income	5.51	5.02	3.34	2.16	3	4.23
Income Tax Expense	1.17	1.04	0.67	0.26	0.43	0.66
Net Income	4.34	3.98	2.68	1.9	2.57	3.57
Net Income to Common	4.34	3.98	2.68	1.9	2.57	3.57
Net Income Growth	38.83%	48.80%	41.14%	-26.14%	-28.06%	39.38%
Basic Shares Outstanding	1	1	1	1	1	1
Diluted Shares Outstanding	1	1	1	1	1	1
Shares Change (YoY)	0.30%	0.53%	0.75%	-1.15%	0.88%	0.55%
EPS (Basic)	4.34	3.98	2.69	1.92	2.57	3.60
EPS (Diluted)	4.34	3.98	2.69	1.92	2.57	3.60
EPS Growth	38.42%	48.03%	40.09%	-25.28%	-28.68%	38.62%
Dividend Per Share	1.090	1.060	1.000	1.000	0.970	0.960
Dividend Growth	9.00%	6.00%	-	3.09%	1.04%	4.35%
Effective Tax Rate	21.24%	20.71%	19.93%	12.18%	14.46%	15.61%

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Jun 17, 2026

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