BlastPoint's Banking Scorecard

Pioneer Bank & Trust

$100M-$1B Specialty: Commercial SD FDIC cert 15562

Belle Fourche, SD

7 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Pioneer Bank & Trust has 3 strengths but faces 3 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 18.5% in tier
+ ROA 0.35% above tier average
+ Efficiency Ratio 14.01% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.1% in tier
- Credit Risk Growth: Bottom 9.6% in tier
- Net Interest Margin 0.05% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$985.9M +3.0% YoY -2.8% QoQ	+$599.8M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	Top 0.4% in tier
Total Loans ?	$545.5M +4.7% YoY +2.7% QoQ	+$289.8M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Top 8.3% in tier
Total Deposits ?	$874.1M +5.4% YoY -3.5% QoQ	+$546.1M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	Top 0.2% in tier
Return on Assets ?	1.62% +36.1% YoY +17.4% QoQ	+0.35%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.88% +11.8% YoY +4.8% QoQ	-0.05%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	51.27% -8.2% YoY -8.1% QoQ	-14.01%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.01% -65.3% QoQ	-0.88%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 14.1% in tier
Loan-to-Deposit Ratio ?	62.40% -0.7% YoY +6.5% QoQ	-14.23%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	23.83% -2.0% YoY -4.7% QoQ	+1.81%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.01% -63.4% QoQ	-0.63%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 12.8% in tier
Tier 1 Capital Ratio ?	18.19% +4.9% YoY +6.8% QoQ	+2.36%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.16% +16.6% YoY -76.0% QoQ	-0.12%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	77%

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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

#124 of 664 • Top 18.5% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#28 of 1308 • Bottom 2.1% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#94 of 973 • Bottom 9.6% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (9 metrics)

Total Deposits

size

Value: $874.10M

Peer Median: $327.97M

#5 of 2664 Top 0.2% in $100M-$1B

Total Assets

size

Value: $985.89M

Peer Median: $386.08M

#12 of 2664 Top 0.4% in $100M-$1B

221

Total Loans

size

Value: $545.48M

Peer Median: $255.72M

#221 of 2664 Top 8.3% in $100M-$1B

342

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#342 of 2664 Top 12.8% in $100M-$1B

375

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#375 of 2654 Top 14.1% in $100M-$1B

487

Efficiency Ratio

profitability

Value: 51.27%

Peer Median: 65.29%

#487 of 2664 Top 18.2% in $100M-$1B

494

Tier 1 Capital Ratio

capital

Value: 18.19%

Peer Median: 15.83%

#494 of 2664 Top 18.5% in $100M-$1B

581

Loan-to-Deposit Ratio

liquidity

Value: 62.40%

Peer Median: 76.64%

#581 of 2664 Top 21.8% in $100M-$1B

615

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#615 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available