BlastPoint's Banking Scorecard
First Pioneer National Bank
Micro
Specialty: Agricultural
CO
FDIC cert 3063
Designations: ✓ Community bank
Wray, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
First Pioneer National Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier
- - Delinquency Rate 2.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.3M
+3.1% YoY
+3.8% QoQ
|
+$31.8M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$135.9M
+6.8% YoY
+6.5% QoQ
|
-$3.3M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$210.6M
+5.3% YoY
+9.6% QoQ
|
+$26.9M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.76%
+24.5% YoY
-0.4% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.73%
+13.7% YoY
+1.0% QoQ
|
-1.13% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
66.73%
-4.7% YoY
+0.4% QoQ
|
-1.00% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
2.74%
-4.3% YoY
-4.1% QoQ
|
+2.10% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
64.52%
+1.4% YoY
-2.8% QoQ
|
-10.01% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
25.10%
+0.1% YoY
+12.0% QoQ
|
+2.71% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.49%
-0.8% YoY
-1.6% QoQ
|
+1.04% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-12.6% YoY
+24.4% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 0.64%, National avg: 0.66%)
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
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.52% · Tier avg: 74.53%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.10% · Tier avg: 22.39%
62
62th pctile
Total Assets
Current: $249.3M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $210.6M · Tier avg: $183.7M
56
56th pctile
Total Loans
Current: $135.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.73% · Tier avg: 67.73%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.49% · Tier avg: 0.45%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
8
8th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.64%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.49% · Tier avg: 0.45%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
49
49th pctile
Efficiency Ratio
Current: 66.73% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $135.9M · Tier avg: $139.2M
62
62th pctile
Total Deposits
Current: $210.6M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $249.3M · Tier avg: $217.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.10% · Tier avg: 22.39%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.52% · Tier avg: 74.53%