BlastPoint's Banking Scorecard

Pioneer Trust Bank, National Association

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

Salem, OR

2 branches across OR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in OR.
Deposits -1.6% year over year ($602.2M on the books).
Delinquency rate 1.34%.
Return on assets 2.56%.
Efficiency ratio 36.03% vs a 64.48% peer average.
Loan-to-deposit ratio 83.99% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 11 in OR

View $100M-$1B leaderboard (OR) →

Pioneer Trust Bank, National Association has 4 strengths but faces 4 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 10.3% in tier
+ Profitability Leader: Top 22.8% in tier
+ Efficiency Ratio 28.45% below tier average
+ Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 32.5% in tier
- Deposit Outflow: Bottom 48.6% in tier
- Non-Interest-Bearing Deposit Share 16.46% below tier average
- Delinquency Rate 0.43% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$712.5M -0.5% YoY +0.1% QoQ	+$325.9M	$386.6M +1.2% YoY	$5.7B +22.7% YoY	$6.3B +7.7% YoY	Top 12.2% in tier
Total Loans ?	$505.8M +1.0% YoY +3.9% QoQ	+$247.5M	$258.3M +1.7% YoY	$4.0B +22.6% YoY	$3.2B +9.4% YoY	Top 11.0% in tier
Total Deposits ?	$602.2M -1.6% YoY +0.1% QoQ	+$275.5M	$326.7M +0.7% YoY	$4.6B +21.5% YoY	$4.9B +7.3% YoY	Top 12.1% in tier
Return on Assets ?	2.56% +10.6% YoY +1.5% QoQ	+1.24%	1.32% +10.8% YoY	1.08% +20.6% YoY	1.30% +12.1% YoY	Top 4.0% in tier
Net Interest Margin ?	4.39% +4.6% YoY +4.5% QoQ	+0.40%	3.99% +5.0% YoY	4.07% +6.4% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	36.03% +5.9% YoY -1.1% QoQ	-28.45%	64.48% -3.2% YoY	67.33% -5.7% YoY	70.05% +2.5% YoY	Top 1.9% in tier
Delinquency Rate ?	1.34% +431.2% YoY +26.4% QoQ	+0.43%	0.92% +15.7% YoY	0.89% +33.0% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	83.99% +2.6% YoY +3.7% QoQ	+6.04%	77.95% +1.0% YoY	79.79% +0.1% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	5.57% -5.3% YoY -11.4% QoQ	-16.46%	22.03% -0.6% YoY	23.65% +0.1% YoY	21.98% -0.6% YoY	Bottom 4.2% in tier
Nonperforming Asset Ratio ?	0.95% +439.0% YoY -13.4% QoQ	+0.29%	0.67% +16.4% YoY	0.61% +33.6% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	19.92% +6.7% YoY -1.0% QoQ	+4.01%	15.91% +1.4% YoY	15.47% +2.0% YoY	17.09% +0.8% YoY	Top 14.0% in tier
Non-Interest Income / Assets ?	0.66% -0.3% YoY +93.0% QoQ	+0.10%	0.57% +7.6% YoY	0.29% -8.1% YoY	0.66% +5.2% YoY	Top 6.1% in tier

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 (OR)	National Avg	Tier Percentile
Noninterest-Bearing	5.6% -0.3pp YoY -0.7pp QoQ	-16.6pp	22.1%	23.6%	22.2%	4%
Brokered Deposits	n/a	n/a	7.9%	2.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
C&I	19.0% +0.3pp YoY +0.1pp QoQ	+7.5pp	11.6%	11.0%	12.5%	86%
CRE	67.2% -0.8pp YoY -0.1pp QoQ	+27.7pp	39.5%	62.1%	41.4%	91%
1-4 Family	13.3% +0.5pp YoY 0.0pp QoQ	-19.3pp	32.6%	17.1%	31.3%	16%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	1.0%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
CET1 Ratio	19.9% +1.2pp YoY -0.2pp QoQ	+1.1pp	18.8%	18.9%	19.7%	77%
Leverage Ratio	15.3% +0.7pp YoY +0.1pp QoQ	+3.1pp	12.2%	12.5%	12.6%	88%
Total Capital Ratio	21.2% +1.3pp YoY -0.2pp QoQ	+1.2pp	19.9%	20.0%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Full-Time Employees	81 +7 (+9.5%) YoY +4 (+5.2%) QoQ	+22	58	526	482	77%
Assets per Employee ($)	$8.8M -9.1% YoY -4.9% QoQ	+$1.3M	$7.5M	$7.4M	$8.8M	78%
Branch Count	2 0 YoY 0 QoQ	-3	4	35	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.1%	0.4%	0%
Nonaccrual	1.3% +1.1pp YoY +0.3pp QoQ	+0.4pp	0.9%	0.9%	1.0%	79%
Allowance Coverage	1.32x -79.8% YoY -23.2% QoQ	-22.83x	24.15x	7.38x	20.23x	36%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
ROE	17.2% +0.9pp YoY +0.1pp QoQ	+5.0pp	12.2%	9.1%	11.6%	78%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.3%	1.7%	30%
Net Income ($, YTD)	$9.2M +13.0% YoY — QoQ	+$6.7M	$2.6M	$35.5M	$40.4M	98%

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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

#69 of 661 • Top 10.3% 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: 0.66%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.56%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#152 of 661 • Top 22.8% in tier

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

Why this signature

Return on Assets: 2.56%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#242 of 742 • Bottom 32.5% 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: 19.92%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 83.99%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#261 of 535 • Bottom 48.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 36.03%

Peer Median: 64.48%

#51 of 2643 Top 1.9% in $100M-$1B

108

Return on Assets

profitability

Value: 2.56%

Peer Median: 1.32%

#108 of 2643 Top 4.0% in $100M-$1B

162

Non-Interest Income / Assets

revenue_mix

Value: 0.66%

Peer Median: 0.57%

#162 of 2643 Top 6.1% in $100M-$1B

292

Total Loans

size

Value: $505.84M

Peer Median: $258.35M

#292 of 2643 Top 11.0% in $100M-$1B

321

Total Deposits

size

Value: $602.24M

Peer Median: $326.73M

#321 of 2643 Top 12.1% in $100M-$1B

323

Total Assets

size

Value: $712.51M

Peer Median: $386.57M

#323 of 2643 Top 12.2% in $100M-$1B

372

Tier 1 Capital Ratio

capital

Value: 19.92%

Peer Median: 15.91%

#372 of 2643 Top 14.0% in $100M-$1B

Top Weaknesses (3 metrics)

2533

Non-Interest-Bearing Deposit Share

funding

Value: 5.57%

Peer Median: 22.03%

#2533 of 2643 Bottom 4.2% in $100M-$1B

2083

Delinquency Rate

credit_quality

Value: 1.34%

Peer Median: 0.92%

#2083 of 2633 Bottom 20.9% in $100M-$1B

2079

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.67%

#2079 of 2643 Bottom 21.4% in $100M-$1B