BlastPoint's Banking Scorecard
Pioneer Community Bank, Inc.
Designations: ✓ CDFI-certified
Iaeger, WV
6 branches across WV
Pioneer Community Bank, Inc. has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 42.91% above tier average
- + Net Interest Margin 0.19% above tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Efficiency Ratio 13.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.8M
+2.8% YoY
+2.3% QoQ
|
-$199.3M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$136.8M
+7.3% YoY
+0.5% QoQ
|
-$119.0M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$156.5M
-1.0% YoY
+1.0% QoQ
|
-$171.5M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.64%
+13.6% YoY
-19.1% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
4.12%
+7.2% YoY
+0.6% QoQ
|
+0.19% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
79.16%
-3.9% YoY
+4.6% QoQ
|
+13.88% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.18%
-28.4% YoY
+30.3% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
87.39%
+8.4% YoY
-0.5% QoQ
|
+10.75% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
64.93%
+0.2% YoY
+1.5% QoQ
|
+42.91% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
Top 0.3% in tier |
| Nonperforming Asset Ratio ? |
0.27%
+22.2% YoY
+10.3% QoQ
|
-0.37% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
13.93%
+0.3% YoY
-0.7% QoQ
|
-1.90% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.13%
+21.1% YoY
-72.1% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.