BlastPoint's Banking Scorecard

Pioneer Bank & Trust

$1B-$10B Specialty: Commercial SD FDIC cert 15562

Designations: ✓ Community bank

Belle Fourche, SD

7 branches across SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +4.3% year over year ($896.5M on the books).
Delinquency rate 0.14%.
Return on assets 1.50%.
Efficiency ratio 50.14% vs a 59.73% peer average.
Loan-to-deposit ratio 60.52% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (SD) →

Pioneer Bank & Trust has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 5.4% in tier
+ Loan-to-Deposit Ratio 24.52% below tier average
+ ROA 0.11% above tier average
+ Efficiency Ratio 9.58% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 15.2% in tier
- Credit Quality Pressure: Bottom 21.1% in tier

Get updates when Pioneer Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$1.0B +5.3% YoY +2.4% QoQ	-$1.8B	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	Bottom 0.9% in tier
Total Loans ?	$542.5M +3.7% YoY -0.5% QoQ	-$1.4B	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	Bottom 3.3% in tier
Total Deposits ?	$896.5M +4.3% YoY +2.6% QoQ	-$1.4B	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	Bottom 7.5% in tier
Return on Assets ?	1.50% +12.2% YoY -7.4% QoQ	+0.11%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.86% +8.9% YoY -0.4% QoQ	-0.01%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	50.14% -4.4% YoY -2.2% QoQ	-9.58%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.14%	-0.72%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	60.52% -0.6% YoY -3.0% QoQ	-24.52%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	Top 7.5% in tier
Non-Interest-Bearing Deposit Share ?	24.38% -1.9% YoY +2.3% QoQ	+3.11%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	69%
Nonperforming Asset Ratio ?	0.08%	-0.60%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	Top 12.4% in tier
Tier 1 Capital Ratio ?	18.59% +3.9% YoY +2.2% QoQ	+3.75%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Top 10.3% in tier
Non-Interest Income / Assets ?	0.31% +5.9% YoY +94.2% QoQ	-0.22%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Noninterest-Bearing	24.4% -0.5pp YoY +0.6pp QoQ	+3.0pp	21.4%	23.5%	22.2%	69%
Brokered Deposits	n/a	n/a	9.5%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	20.3% +0.3pp YoY +0.7pp QoQ	+6.3pp	14.0%	14.1%	12.5%	81%
CRE	44.5% -1.7pp YoY -2.1pp QoQ	-5.5pp	50.0%	31.5%	41.4%	34%
1-4 Family	14.2% 0.0pp YoY +0.2pp QoQ	-12.3pp	26.4%	14.9%	31.3%	28%
Consumer	1.8% -0.1pp YoY +0.1pp QoQ	-2.9pp	4.7%	8.5%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	18.6% +0.7pp YoY +0.4pp QoQ	+3.0pp	15.6%	17.6%	19.7%	88%
Leverage Ratio	11.6% +0.5pp YoY +0.3pp QoQ	+0.3pp	11.3%	11.9%	12.6%	71%
Total Capital Ratio	19.6% +0.8pp YoY +0.5pp QoQ	+2.9pp	16.7%	18.8%	20.8%	88%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	123 +1 (+0.8%) YoY -3 (-2.4%) QoQ	-191	313	6,279	482	14%
Assets per Employee ($)	$8.2M +4.4% YoY +4.9% QoQ	-$2.3M	$10.5M	$8.1M	$8.8M	44%
Branch Count	7 0 YoY 0 QoQ	-13	20	92	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.1%	-0.7pp	0.8%	1.0%	1.0%	15%
Allowance Coverage	8.09x -93.7% YoY -91.2% QoQ	-10.62x	18.71x	96.54x	20.23x	85%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.3%	0.7%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	14.8% -0.1pp YoY -1.4pp QoQ	+2.2pp	12.6%	12.4%	11.6%	72%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.7%	1.7%	12%
Net Income ($, YTD)	$7.5M +17.7% YoY — QoQ	-$11.7M	$19.2M	$418.8M	$40.4M	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#13 of 221 • Top 5.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#62 of 402 • Bottom 15.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#105 of 492 • Bottom 21.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 60.52%

Peer Median: 85.04%

#67 of 885 Top 7.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.59%

Peer Median: 14.84%

#92 of 885 Top 10.3% in $1B-$10B

111

Nonperforming Asset Ratio

credit_quality

Value: 0.08%

Peer Median: 0.67%

#111 of 885 Top 12.4% in $1B-$10B

145

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 0.87%

#145 of 882 Top 16.3% in $1B-$10B

209

Efficiency Ratio

profitability

Value: 50.14%

Peer Median: 59.73%

#209 of 885 Top 23.5% in $1B-$10B

Top Weaknesses (3 metrics)

878

Total Assets

size

Value: $1.01B

Peer Median: $2.79B

#878 of 885 Bottom 0.9% in $1B-$10B

857

Total Loans

size

Value: $542.51M

Peer Median: $1.96B

#857 of 885 Bottom 3.3% in $1B-$10B

820

Total Deposits

size

Value: $896.46M

Peer Median: $2.32B

#820 of 885 Bottom 7.5% in $1B-$10B