BlastPoint's Banking Scorecard
Pioneer Bank, National Association
Community
Specialty: Commercial
NY
FDIC cert 20741
Albany, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Pioneer Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+8.6% YoY
-4.1% QoQ
|
+$759.3M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.6B
+14.8% YoY
+2.0% QoQ
|
+$670.8M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$1.8B
+8.9% YoY
-7.8% QoQ
|
+$618.9M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.92%
+2.8% YoY
-8.4% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.92%
+2.8% YoY
+0.4% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
66.87%
-7.5% YoY
+1.0% QoQ
|
+4.24% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.68%
+86.9% YoY
-3.1% QoQ
|
+0.06% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
92.31%
+5.4% YoY
+10.6% QoQ
|
+9.24% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
25.82%
-6.9% YoY
-12.4% QoQ
|
+4.77% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.52%
+97.4% YoY
-2.0% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
16.30%
-9.4% YoY
+2.2% QoQ
|
+6.06% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.79%
+1.3% YoY
+43.7% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#91 of 268 · Bottom 34% 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:
16.30%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
92.31%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
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
84
84th pctile
Tier 1 Capital Ratio
Current: 16.30% · Tier avg: 10.24%
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 21.05%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 83.06%
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
35
35th pctile
Efficiency Ratio
Current: 66.87% · Tier avg: 62.63%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
Top Weaknesses
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 66.87% · Tier avg: 62.63%
36
36th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
67
67th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.66%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 83.06%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
84
84th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
84
84th pctile
Tier 1 Capital Ratio
Current: 16.30% · Tier avg: 10.24%