BlastPoint's Banking Scorecard

Pioneer Trust Bank, National Association

$100M-$1B Specialty: Commercial OR FDIC cert 19827

Salem, OR

2 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in OR

Pioneer Trust Bank, National Association has 4 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

+ Revenue Diversifier: Top 9.8% in tier
+ Profitability Leader: Top 28.4% in tier
+ Efficiency Ratio 28.84% below tier average
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 33.6% in tier
- Non-Interest-Bearing Deposit Share 15.73% below tier average
- Delinquency Rate 0.18% above tier average

Get updates when Pioneer Trust Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$711.9M +2.2% YoY -3.1% QoQ	+$325.8M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	Top 12.0% in tier
Total Loans ?	$487.0M -5.0% YoY +0.9% QoQ	+$231.3M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	Top 12.3% in tier
Total Deposits ?	$601.4M +1.4% YoY -4.2% QoQ	+$273.4M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	Top 12.3% in tier
Return on Assets ?	2.53% +8.6% YoY +8.7% QoQ	+1.26%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	Top 4.2% in tier
Net Interest Margin ?	4.20% +2.7% YoY -1.0% QoQ	+0.27%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	36.45% +6.0% YoY +16.1% QoQ	-28.84%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	Top 2.2% in tier
Delinquency Rate ?	1.06% +211.8% YoY +5.8% QoQ	+0.18%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	80.97% -6.3% YoY +5.4% QoQ	+4.33%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	6.28% +0.1% YoY -8.9% QoQ	-15.73%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Bottom 4.9% in tier
Nonperforming Asset Ratio ?	1.10% +338.9% YoY +7.7% QoQ	+0.46%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	20.13% +14.9% YoY +0.1% QoQ	+4.30%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	Top 13.0% in tier
Non-Interest Income / Assets ?	0.34% -0.9% YoY -74.2% QoQ	+0.06%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	Top 5.5% in tier

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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 (2)

Revenue Diversifier

growth

#66 of 666 • Top 9.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#190 of 666 • Top 28.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.53%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#249 of 739 • Bottom 33.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.13%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 80.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (7 metrics)

Efficiency Ratio

profitability

Value: 36.45%

Peer Median: 65.29%

#60 of 2664 Top 2.2% in $100M-$1B

113

Return on Assets

profitability

Value: 2.53%

Peer Median: 1.27%

#113 of 2664 Top 4.2% in $100M-$1B

147

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#147 of 2664 Top 5.5% in $100M-$1B

322

Total Assets

size

Value: $711.91M

Peer Median: $386.08M

#322 of 2664 Top 12.0% in $100M-$1B

329

Total Loans

size

Value: $486.98M

Peer Median: $255.72M

#329 of 2664 Top 12.3% in $100M-$1B

330

Total Deposits

size

Value: $601.41M

Peer Median: $327.97M

#330 of 2664 Top 12.3% in $100M-$1B

347

Tier 1 Capital Ratio

capital

Value: 20.13%

Peer Median: 15.83%

#347 of 2664 Top 13.0% in $100M-$1B

Top Weaknesses (2 metrics)

2534

Non-Interest-Bearing Deposit Share

funding

Value: 6.28%

Peer Median: 22.02%

#2534 of 2664 Bottom 4.9% in $100M-$1B

2199

Nonperforming Asset Ratio

credit_quality

Value: 1.10%

Peer Median: 0.64%

#2199 of 2664 Bottom 17.5% in $100M-$1B