BlastPoint's Banking Scorecard
Pioneer Trust Bank, National Association
Community
Specialty: Commercial
OR
FDIC cert 19827
Salem, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Pioneer Trust Bank, National Association has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8% in Community
- + Revenue Diversifier: Top 14% in Community
- + Efficiency Ratio 31.24% below tier
- + Tier 1 Capital Ratio 9.87% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43% in Community
- - Non-Interest-Bearing Deposit Share 14.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$734.9M
+4.9% YoY
+1.1% QoQ
|
-$656.5M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$482.7M
-7.8% YoY
-3.3% QoQ
|
-$492.8M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$628.0M
+4.4% YoY
+1.2% QoQ
|
-$536.6M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.32%
+21.4% YoY
+0.0% QoQ
|
+1.16% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.24%
+11.5% YoY
+1.4% QoQ
|
+0.58% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
31.39%
-10.3% YoY
-6.8% QoQ
|
-31.24% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
1.01%
+52.9% YoY
-7.3% QoQ
|
+0.38% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
76.86%
-11.6% YoY
-4.4% QoQ
|
-6.21% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
6.90%
-1.0% YoY
+11.2% QoQ
|
-14.14% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
1.02%
+108.2% YoY
+37.4% QoQ
|
+0.52% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
20.11%
+20.1% YoY
+4.6% QoQ
|
+9.87% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.33%
+1.5% YoY
+32.1% QoQ
|
+0.59% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#31 of 371 · Top 8% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.32%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#52 of 371 · Top 14% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.33%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.32%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.39%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
20.11%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#115 of 268 · Bottom 43% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.11%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
76.86%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.90%
(Tier avg: 21.05%, National avg: 21.79%)
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
99
99th pctile
Efficiency Ratio
Current: 31.39% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.16%
93
93th pctile
Tier 1 Capital Ratio
Current: 20.11% · Tier avg: 10.24%
91
91th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.74%
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
32
32th pctile
Loan-to-Deposit Ratio
Current: 76.86% · Tier avg: 83.06%
31
31th pctile
Total Deposits
Current: $628.0M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $734.9M · Tier avg: $1.4B
28
28th pctile
Total Loans
Current: $482.7M · Tier avg: $975.5M
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.90% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.90% · Tier avg: 21.05%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
28
28th pctile
Total Loans
Current: $482.7M · Tier avg: $975.5M
30
30th pctile
Total Assets
Current: $734.9M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $628.0M · Tier avg: $1.2B
32
32th pctile
Loan-to-Deposit Ratio
Current: 76.86% · Tier avg: 83.06%
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
91
91th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.74%
93
93th pctile
Tier 1 Capital Ratio
Current: 20.11% · Tier avg: 10.24%
96
96th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 31.39% · Tier avg: 62.63%