BlastPoint's Banking Scorecard
Pioneer Bank
Community
Specialty: Agricultural
MN
FDIC cert 5193
Mapleton, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Pioneer Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$896.8M
+4.4% YoY
+6.8% QoQ
|
-$494.6M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$627.2M
+9.4% YoY
-0.1% QoQ
|
-$348.3M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$778.1M
+1.4% YoY
+7.3% QoQ
|
-$386.5M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.37%
+18.1% YoY
-1.0% QoQ
|
+0.21% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.02%
+11.3% YoY
+0.3% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
59.11%
-5.6% YoY
+1.1% QoQ
|
-3.53% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.35%
-68.0% YoY
-24.9% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
80.61%
+7.8% YoY
-6.9% QoQ
|
-2.45% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
12.30%
-8.1% YoY
+11.4% QoQ
|
-8.75% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.52%
-28.7% YoY
-9.6% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.23%
-1.4% YoY
+0.1% QoQ
|
+2.99% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.34%
-0.1% YoY
+20.4% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
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
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
60
60th pctile
Efficiency Ratio
Current: 59.11% · Tier avg: 62.63%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
45
45th pctile
Total Deposits
Current: $778.1M · Tier avg: $1.2B
44
44th pctile
Total Loans
Current: $627.2M · Tier avg: $975.5M
43
43th pctile
Total Assets
Current: $896.8M · Tier avg: $1.4B
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.61% · Tier avg: 83.06%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.30% · Tier avg: 21.05%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.30% · Tier avg: 21.05%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Loan-to-Deposit Ratio
Current: 80.61% · Tier avg: 83.06%
43
43th pctile
Total Assets
Current: $896.8M · Tier avg: $1.4B
44
44th pctile
Total Loans
Current: $627.2M · Tier avg: $975.5M
45
45th pctile
Total Deposits
Current: $778.1M · Tier avg: $1.2B
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
60
60th pctile
Efficiency Ratio
Current: 59.11% · Tier avg: 62.63%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.23% · Tier avg: 10.24%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%