BlastPoint's Banking Scorecard
Pioneer Bank
Community
Specialty: Commercial
NM
FDIC cert 27872
Roswell, NM
1484
banks in Community tier nationally
11 in NM
View Community leaderboard (NM) →
Pioneer Bank shows strong momentum with 3 strengths and 14.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 17% in Community
- + Deposit Franchise: Top 21% in Community
- + Revenue Diversifier: Top 37% in Community
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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+14.9% YoY
+2.9% QoQ
|
-$262.5M |
$1.4B
+2.0% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$645.1M
+18.5% YoY
+4.4% QoQ
|
-$330.4M |
$975.5M
+2.4% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$844.3M
+10.4% YoY
+3.1% QoQ
|
-$320.3M |
$1.2B
+1.7% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.19%
+18.6% YoY
-0.5% QoQ
|
+1.03% |
1.16%
+17.2% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.09%
+4.4% YoY
-1.1% QoQ
|
+1.42% |
3.66%
+9.1% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
53.60%
-0.0% YoY
+0.9% QoQ
|
-9.04% |
62.63%
-5.3% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
1.67%
-34.3% YoY
-11.9% QoQ
|
+1.04% |
0.63%
+18.3% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
76.41%
+7.4% YoY
+1.2% QoQ
|
-6.66% |
83.06%
+0.3% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
33.85%
-4.7% YoY
+1.4% QoQ
|
+12.80% |
21.05%
-0.9% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.17%
-28.8% YoY
-8.3% QoQ
|
+0.67% |
0.50%
+20.3% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
15.99%
-3.4% YoY
-0.6% QoQ
|
+5.74% |
10.24%
-0.6% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.93%
-8.5% YoY
+30.9% QoQ
|
+0.20% |
0.74%
-1.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#64 of 371 · Top 17% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.19%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#33 of 150 · Top 21% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.85%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.09%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#137 of 371 · Top 37% 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:
0.93%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.19%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
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
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.85% · Tier avg: 21.05%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.99% · Tier avg: 10.24%
76
76th pctile
Efficiency Ratio
Current: 53.60% · Tier avg: 62.63%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $844.3M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $645.1M · Tier avg: $975.5M
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.41% · Tier avg: 83.06%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.63%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.41% · Tier avg: 83.06%
45
45th pctile
Total Loans
Current: $645.1M · Tier avg: $975.5M
50
50th pctile
Total Deposits
Current: $844.3M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
76
76th pctile
Efficiency Ratio
Current: 53.60% · Tier avg: 62.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 15.99% · Tier avg: 10.24%
84
84th pctile
Non-Interest Income / Assets
Current: 0.93% · Tier avg: 0.74%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.85% · Tier avg: 21.05%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.09% · Tier avg: 3.66%