BlastPoint's Banking Scorecard
Pioneer Bank & Trust
Community
Specialty: Commercial
SD
FDIC cert 15562
Belle Fourche, SD
1484
banks in Community tier nationally
18 in SD
View Community leaderboard (SD) →
Pioneer Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 29% in Community
- + Loan-to-Deposit Ratio 24.44% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
- - Credit Risk Growth: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.5% YoY
+4.9% QoQ
|
-$376.7M |
$1.4B
+2.0% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$531.1M
+6.6% YoY
-0.9% QoQ
|
-$444.4M |
$975.5M
+2.4% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$906.0M
+4.9% YoY
+6.7% QoQ
|
-$258.6M |
$1.2B
+1.7% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.38%
+32.7% YoY
-5.4% QoQ
|
+0.21% |
1.16%
+17.2% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.70%
+31.7% YoY
+1.2% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
55.79%
-5.5% YoY
+9.6% QoQ
|
-6.84% |
62.63%
-5.3% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.03%
-77.0% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
58.62%
+1.6% YoY
-7.1% QoQ
|
-24.44% |
83.06%
+0.3% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.00%
+0.8% YoY
-0.0% QoQ
|
+3.96% |
21.05%
-0.9% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.02%
-78.3% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
17.02%
-1.5% YoY
-5.8% QoQ
|
+6.78% |
10.24%
-0.6% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.67%
-15.9% YoY
+43.6% QoQ
|
-0.07% |
0.74%
-1.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#108 of 371 · Top 29% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
58.62%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#37 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#152 of 642 · Bottom 24% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 58.62% · Tier avg: 83.06%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.02% · Tier avg: 10.24%
70
70th pctile
Efficiency Ratio
Current: 55.79% · Tier avg: 62.63%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.00% · Tier avg: 21.05%
68
68th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.16%
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
54
54th pctile
Total Deposits
Current: $906.0M · Tier avg: $1.2B
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
35
35th pctile
Total Loans
Current: $531.1M · Tier avg: $975.5M
Top Weaknesses
35
35th pctile
Total Loans
Current: $531.1M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
54
54th pctile
Total Deposits
Current: $906.0M · Tier avg: $1.2B
67
67th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.74%
68
68th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.16%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 25.00% · Tier avg: 21.05%
70
70th pctile
Efficiency Ratio
Current: 55.79% · Tier avg: 62.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.02% · Tier avg: 10.24%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
92
92th pctile
Loan-to-Deposit Ratio
Current: 58.62% · Tier avg: 83.06%