BlastPoint's Banking Scorecard
Pioneer Bank
Micro
Specialty: Commercial
VA
FDIC cert 6913
Designations: ✓ Community bank
Stanley, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Pioneer Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 27.02% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$354.2M
+2.8% YoY
+2.5% QoQ
|
+$136.7M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$287.7M
+10.6% YoY
+4.4% QoQ
|
+$148.5M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$283.3M
+3.5% YoY
+0.2% QoQ
|
+$99.7M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.20%
+51.4% YoY
-0.5% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.16%
+19.0% YoY
+2.4% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
62.11%
-13.2% YoY
-1.4% QoQ
|
-5.62% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.08%
+66.1% YoY
|
-0.56% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
101.55%
+6.9% YoY
+4.3% QoQ
|
+27.02% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.97%
+2.8% YoY
-1.1% QoQ
|
+10.58% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.06%
+78.7% YoY
|
-0.39% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
13.93%
-2.0% YoY
+0.7% QoQ
|
+5.08% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.48%
+5.5% YoY
+30.7% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
101.55%
(Tier avg: 74.53%, National avg: 78.04%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.55% · Tier avg: 74.53%
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.97% · Tier avg: 22.39%
81
81th pctile
Total Assets
Current: $354.2M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $283.3M · Tier avg: $183.7M
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 8.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
61
61th pctile
Efficiency Ratio
Current: 62.11% · Tier avg: 67.73%
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
Top Weaknesses
58
58th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
61
61th pctile
Efficiency Ratio
Current: 62.11% · Tier avg: 67.73%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 13.93% · Tier avg: 8.85%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
78
78th pctile
Total Deposits
Current: $283.3M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $354.2M · Tier avg: $217.5M
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.97% · Tier avg: 22.39%
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M
93
93th pctile
Loan-to-Deposit Ratio
Current: 101.55% · Tier avg: 74.53%