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Pilgrim Bank

$100M-$1B Specialty: Commercial TX FDIC cert 16891

Pittsburg, TX

14 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -3.5% year over year ($578.4M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 0.58%.
  • Efficiency ratio 74.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Pilgrim Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 6.6% in tier
  • - Credit Quality Pressure: Bottom 22.8% in tier
  • - Deposit Outflow: Bottom 27.7% in tier
  • - Net Interest Margin 1.07% below tier average
  • - ROA 0.74% below tier average
  • - Efficiency Ratio 9.96% above tier average
Get updates when Pilgrim Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $714.6M
-0.8% YoY -1.3% QoQ
+$328.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 12.0% in tier
Total Loans ? $460.8M
-4.9% YoY -2.1% QoQ
+$202.5M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 14.7% in tier
Total Deposits ? $578.4M
-3.5% YoY -2.4% QoQ
+$251.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 13.6% in tier
Return on Assets ? 0.58%
-16.5% YoY -11.4% QoQ
-0.74% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 14.5% in tier
Net Interest Margin ? 2.92%
+11.1% YoY +2.6% QoQ
-1.07% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 8.1% in tier
Efficiency Ratio ? 74.44%
+0.7% YoY +0.0% QoQ
+9.96% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 0.15%
-57.6% QoQ
-0.77% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 79.67%
-1.5% YoY +0.3% QoQ
+1.72% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 30.98%
-2.1% YoY -2.4% QoQ
+8.95% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.10%
-58.0% QoQ
-0.57% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 14.44%
+3.3% YoY +1.9% QoQ
-1.46% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.17%
+7.6% YoY +110.0% QoQ
-0.40% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 31.0%
-0.6pp YoY
-0.8pp QoQ
 +8.8pp 22.1% 29.2% 22.2% 84%
Brokered Deposits 4.8%
-0.1pp YoY
-0.5pp QoQ
 -3.1pp 7.9% 8.0% 8.5% 50%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 3.2%
-0.7pp YoY
0.0pp QoQ
 -8.3pp 11.6% 14.8% 12.5% 11%
CRE 42.4%
+3.0pp YoY
+0.2pp QoQ
 +2.9pp 39.5% 48.4% 41.4% 58%
1-4 Family 32.1%
+1.6pp YoY
+0.5pp QoQ
 -0.6pp 32.6% 25.8% 31.3% 56%
Consumer 0.8%
0.0pp YoY
0.0pp QoQ
 -3.3pp 4.1% 4.7% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 14.4%
+0.5pp YoY
+0.3pp QoQ
 -4.4pp 18.8% 22.7% 19.7% 44%
Leverage Ratio 10.2%
+0.2pp YoY
+0.2pp QoQ
 -2.0pp 12.2% 12.6% 12.6% 36%
Total Capital Ratio 15.4%
+0.7pp YoY
+0.4pp QoQ
 -4.6pp 19.9% 23.8% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 98
+1 (+1.0%) YoY
-3 (-3.0%) QoQ
 +39 58 186 482 86%
Assets per Employee ($) $7.3M
-1.9% YoY
+1.8% QoQ
 -$227K $7.5M $10.1M $8.8M 57%
Branch Count 14
+1 (+7.7%) YoY
+1 (+7.7%) QoQ
 +9 4 12 18 97%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
-0.2pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 25%
Allowance Coverage 6.63x
+165.8% QoQ
 -17.52x 24.15x 18.82x 20.23x 76%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 6.2%
-1.6pp YoY
-0.8pp QoQ
 -6.0pp 12.2% 13.2% 11.6% 18%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 76%
Net Income ($, YTD) $2.1M
-15.4% YoY
— QoQ
 -$457K $2.6M $15.9M $40.4M 54%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#36 of 529 • Bottom 6.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.58%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#287 of 1256 • Bottom 22.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#149 of 535 • Bottom 27.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

318
Total Assets
size
Value: $714.56M
Peer Median: $386.57M
#318 of 2643 Top 12.0% in $100M-$1B
360
Total Deposits
size
Value: $578.43M
Peer Median: $326.73M
#360 of 2643 Top 13.6% in $100M-$1B
389
Total Loans
size
Value: $460.85M
Peer Median: $258.35M
#389 of 2643 Top 14.7% in $100M-$1B
417
Non-Interest-Bearing Deposit Share
funding
Value: 30.98%
Peer Median: 22.03%
#417 of 2643 Top 15.7% in $100M-$1B

Top Weaknesses (3 metrics)

2431
Net Interest Margin
profitability
Value: 2.92%
Peer Median: 3.99%
#2431 of 2643 Bottom 8.1% in $100M-$1B
2261
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.32%
#2261 of 2643 Bottom 14.5% in $100M-$1B
2082
Efficiency Ratio
profitability
Value: 74.44%
Peer Median: 64.48%
#2082 of 2643 Bottom 21.3% in $100M-$1B
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