BlastPoint's Banking Scorecard
Pioneer Bank, National Association
Designations: ✓ Community bank
Albany, NY
22 branches across NY
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 40 in NY.
- Deposits +12.0% year over year ($2.0B on the books).
- Delinquency rate 0.49%.
- Return on assets 0.74%.
- Efficiency ratio 76.35% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.14% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pioneer Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency Ratio 16.63% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+11.6% YoY
+5.8% QoQ
|
-$452.5M |
$2.8B
-0.6% YoY
|
$19.3B
+10.2% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$1.9B
+21.3% YoY
+10.0% QoQ
|
-$92.4M |
$2.0B
-0.3% YoY
|
$8.2B
+12.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$2.0B
+12.0% YoY
+6.2% QoQ
|
-$310.3M |
$2.3B
-0.5% YoY
|
$14.8B
+8.7% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
0.74%
-33.9% YoY
-25.2% QoQ
|
-0.65% |
1.39%
+17.0% YoY
|
0.94%
+14.0% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
4.10%
+4.4% YoY
+2.6% QoQ
|
+0.23% |
3.87%
+6.2% YoY
|
3.52%
+6.2% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
76.35%
+21.7% YoY
+5.4% QoQ
|
+16.63% |
59.73%
-12.6% YoY
|
67.96%
-1.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate ? |
0.49%
-31.0% YoY
-7.1% QoQ
|
-0.38% |
0.87%
+11.7% YoY
|
1.19%
+15.7% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
93.14%
+8.2% YoY
+3.5% QoQ
|
+8.11% |
85.04%
-0.1% YoY
|
79.34%
+1.1% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.68%
-13.7% YoY
-10.3% QoQ
|
+1.41% |
21.27%
-1.5% YoY
|
22.09%
+0.6% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.39%
-29.0% YoY
-4.2% QoQ
|
-0.29% |
0.67%
+11.7% YoY
|
0.79%
+14.5% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.22%
-23.5% YoY
-18.4% QoQ
|
-1.62% |
14.84%
-0.4% YoY
|
23.90%
+5.3% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.38%
-6.2% YoY
+111.0% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
0.52%
+23.2% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.7%
-3.6pp YoY -2.6pp QoQ |
+1.3pp | 21.4% | 22.1% | 22.2% | 63% |
| Brokered Deposits |
14.2%
+7.3pp YoY +10.6pp QoQ |
+4.7pp | 9.5% | 8.0% | 8.5% | 80% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.4%
+7.2pp YoY +6.9pp QoQ |
+0.4pp | 14.0% | 11.0% | 12.5% | 65% |
| CRE |
35.9%
-2.8pp YoY -2.9pp QoQ |
-14.2pp | 50.0% | 46.2% | 41.4% | 17% |
| 1-4 Family |
50.2%
-4.1pp YoY -3.8pp QoQ |
+23.7pp | 26.4% | 36.6% | 31.3% | 90% |
| Consumer |
0.8%
-0.3pp YoY -0.2pp QoQ |
-3.9pp | 4.7% | 5.1% | 5.0% | 39% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.2%
-4.1pp YoY -3.0pp QoQ |
-2.4pp | 15.6% | 26.1% | 19.7% | 45% |
| Leverage Ratio |
10.0%
-2.0pp YoY -1.6pp QoQ |
-1.3pp | 11.3% | 13.9% | 12.6% | 36% |
| Total Capital Ratio |
14.5%
-4.1pp YoY -3.0pp QoQ |
-2.2pp | 16.7% | 27.2% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
298
+25 (+9.2%) YoY +33 (+12.5%) QoQ |
-16 | 313 | 914 | 482 | 65% |
| Assets per Employee ($) |
$7.9M
+2.3% YoY -5.9% QoQ |
-$2.6M | $10.5M | $14.8M | $8.8M | 38% |
| Branch Count |
21
0 YoY 0 QoQ |
+1 | 20 | 27 | 18 | 68% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 1.3% | 1.0% | 48% |
| Allowance Coverage |
3.08x
+41.0% YoY +5.6% QoQ |
-15.63x | 18.71x | 1.92x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-3.1pp YoY -1.8pp QoQ |
-6.7pp | 12.6% | 7.9% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.6%
+0.1pp YoY +0.1pp QoQ |
-0.3pp | 1.9% | 1.8% | 1.7% | 32% |
| Net Income ($, YTD) |
$8.3M
-27.9% YoY — QoQ |
-$10.9M | $19.2M | $111.2M | $40.4M | 31% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.