BlastPoint's Banking Scorecard
Pioneer Bank, National Association
Designations: ✓ Community bank
Albany, NY
21 branches across NY
Pioneer Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 45.4% in tier
- - Cost Spiral: Bottom 77.4% in tier
- - ROA 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+7.0% YoY
+2.9% QoQ
|
-$604.7M |
$2.8B
-0.1% YoY
|
$19.3B
+16.2% YoY
|
$6.2B
+9.0% YoY
|
56% |
| Total Loans ? |
$1.7B
+14.4% YoY
+3.3% QoQ
|
-$265.2M |
$2.0B
+0.6% YoY
|
$8.1B
+13.6% YoY
|
$3.2B
+10.7% YoY
|
59% |
| Total Deposits ? |
$1.9B
+6.7% YoY
+6.0% QoQ
|
-$454.3M |
$2.3B
-0.3% YoY
|
$15.1B
+14.9% YoY
|
$4.8B
+8.0% YoY
|
56% |
| Return on Assets ? |
1.00%
-7.0% YoY
+8.5% QoQ
|
-0.37% |
1.37%
+19.6% YoY
|
0.86%
+11.9% YoY
|
1.24%
+13.1% YoY
|
32% |
| Net Interest Margin ? |
3.99%
+2.0% YoY
+1.9% QoQ
|
+0.18% |
3.82%
+6.9% YoY
|
3.45%
+6.7% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
72.47%
+12.0% YoY
+8.4% QoQ
|
+11.41% |
61.05%
-4.6% YoY
|
69.17%
-2.9% YoY
|
66.84%
-3.8% YoY
|
19% |
| Delinquency Rate ? |
0.52%
-27.2% YoY
-23.4% QoQ
|
-0.37% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
89.97%
+7.2% YoY
-2.5% QoQ
|
+5.77% |
84.20%
+0.3% YoY
|
77.98%
+0.6% YoY
|
76.69%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
25.29%
-12.0% YoY
-2.1% QoQ
|
+4.01% |
21.28%
-2.5% YoY
|
21.94%
+0.9% YoY
|
22.01%
-1.1% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.41%
-21.5% YoY
-22.4% QoQ
|
-0.27% |
0.67%
+15.6% YoY
|
0.73%
+4.7% YoY
|
0.66%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.20%
-9.3% YoY
-0.6% QoQ
|
+1.03% |
15.17%
+2.0% YoY
|
24.83%
+10.3% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.18%
+1.1% YoY
-77.2% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.21%
+8.5% YoY
|
0.32%
+4.0% YoY
|
66% |
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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 (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.