BlastPoint's Banking Scorecard
Pioneer Community Bank, Inc.
Designations: ✓ CDFI-certified
Iaeger, WV
6 branches across WV
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 32 in WV.
- Deposits +2.0% year over year ($160.2M on the books).
- Delinquency rate 0.29%.
- Return on assets 0.78%.
- Efficiency ratio 74.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.06% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 42.61% above tier average
- + Net Interest Margin 0.14% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.54% below tier average
- - Efficiency Ratio 9.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.1M
+5.4% YoY
+2.3% QoQ
|
-$195.4M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$139.5M
+7.0% YoY
+2.0% QoQ
|
-$118.8M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$160.2M
+2.0% YoY
+2.4% QoQ
|
-$166.5M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.78%
-0.7% YoY
+22.5% QoQ
|
-0.54% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
4.12%
+3.1% YoY
-0.0% QoQ
|
+0.14% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
74.31%
-0.3% YoY
-6.1% QoQ
|
+9.83% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
0.29%
-19.0% YoY
+64.1% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
87.06%
+4.9% YoY
-0.4% QoQ
|
+9.11% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
64.64%
-0.9% YoY
-0.4% QoQ
|
+42.61% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 0.5% in tier |
| Nonperforming Asset Ratio ? |
0.35%
+35.4% YoY
+29.6% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
13.58%
+3.4% YoY
-2.5% QoQ
|
-2.33% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.26%
+18.8% YoY
+106.9% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
66% |
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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
64.6%
-0.6pp YoY -0.3pp QoQ |
+42.5pp | 22.1% | 27.1% | 22.2% | 100% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.3%
-0.1pp YoY +0.1pp QoQ |
-1.2pp | 11.6% | 7.1% | 12.5% | 54% |
| CRE |
32.7%
+0.6pp YoY -0.7pp QoQ |
-6.8pp | 39.5% | 33.8% | 41.4% | 40% |
| 1-4 Family |
53.8%
+0.8pp YoY +1.2pp QoQ |
+21.2pp | 32.6% | 52.8% | 31.3% | 86% |
| Consumer |
4.1%
-1.4pp YoY -0.6pp QoQ |
-0.1pp | 4.1% | 7.9% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.5pp YoY -0.3pp QoQ |
+1.4pp | 12.2% | 11.6% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
0 YoY +2 (+4.8%) QoQ |
-15 | 58 | 161 | 482 | 46% |
| Assets per Employee ($) |
$4.3M
+5.4% YoY -2.3% QoQ |
-$3.2M | $7.5M | $6.1M | $8.8M | 7% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 13 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.4% | 46% |
| Nonaccrual |
0.2%
+0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.9% | 0.7% | 1.0% | 31% |
| Allowance Coverage |
3.26x
+13.6% YoY -40.5% QoQ |
-20.89x | 24.15x | 6.60x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
-0.1pp YoY +1.1pp QoQ |
-6.2pp | 12.2% | 10.6% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 1.5% | 1.7% | 28% |
| Net Income ($, YTD) |
$731,000
+3.7% YoY — QoQ |
-$1.8M | $2.6M | $9.0M | $40.4M | 17% |
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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.