BlastPoint's Banking Scorecard
Pioneer Community Bank, Inc.
Micro
Specialty: Commercial
WV
FDIC cert 2448
Designations: ✓ Community bank
Iaeger, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
Pioneer Community Bank, Inc. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 41.56% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.6M
+4.9% YoY
+0.3% QoQ
|
-$34.9M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$136.0M
+6.4% YoY
+1.8% QoQ
|
-$3.1M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$155.0M
+3.6% YoY
-1.3% QoQ
|
-$28.7M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
0.79%
-57.5% YoY
+1.5% QoQ
|
-0.29% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
4.10%
-1.2% YoY
+1.3% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
75.66%
+30.1% YoY
-0.6% QoQ
|
+7.93% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.14%
-44.0% YoY
-65.7% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
87.80%
+2.7% YoY
+3.2% QoQ
|
+13.27% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
63.96%
-5.0% YoY
-1.9% QoQ
|
+41.56% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+11.1% YoY
-16.0% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.46%
-74.2% YoY
+35.8% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
63.96%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
Non-Interest-Bearing Deposit Share
Current: 63.96% · Tier avg: 22.39%
68
68th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
56
56th pctile
Total Loans
Current: $136.0M · Tier avg: $139.2M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $182.6M · Tier avg: $217.5M
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.80% · Tier avg: 74.53%
27
27th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 67.73%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 75.66% · Tier avg: 67.73%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.80% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.08%
46
46th pctile
Total Assets
Current: $182.6M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
56
56th pctile
Total Loans
Current: $136.0M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
68
68th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.96% · Tier avg: 22.39%