BlastPoint's Banking Scorecard
Pioneer Bank
Designations: ✓ Community bank
Roswell, NM
11 branches across NM
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 6 in NM.
- Deposits +0.4% year over year ($850.8M on the books).
- Delinquency rate 1.75%.
- Return on assets 2.58%.
- Efficiency ratio 49.92% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.33% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pioneer Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16.7% in tier
- + Deposit Franchise: Top 20.0% in tier
- + Revenue Diversifier: Top 33.8% in tier
- + Efficiency Ratio 9.81% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.0% YoY
+0.8% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$566.9M
+3.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.7% in tier |
| Total Loans ? |
$615.4M
+1.9% YoY
-6.4% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$317.6M
+7.5% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.4% in tier |
| Total Deposits ? |
$850.8M
+0.4% YoY
+3.1% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$493.4M
+2.0% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.7% in tier |
| Return on Assets ? |
2.58%
+14.1% YoY
+13.1% QoQ
|
+1.19% |
1.39%
+17.0% YoY
|
1.89%
+4.0% YoY
|
1.30%
+12.1% YoY
|
Top 3.3% in tier |
| Net Interest Margin ? |
4.92%
-4.4% YoY
+2.9% QoQ
|
+1.05% |
3.87%
+6.2% YoY
|
4.43%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 6.6% in tier |
| Efficiency Ratio ? |
49.92%
-8.7% YoY
-6.6% QoQ
|
-9.81% |
59.73%
-12.6% YoY
|
57.29%
+2.1% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
1.75%
-23.0% YoY
-21.6% QoQ
|
+0.88% |
0.87%
+11.7% YoY
|
1.04%
-16.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
72.33%
+1.5% YoY
-9.2% QoQ
|
-12.71% |
85.04%
-0.1% YoY
|
57.68%
+1.9% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
34.81%
+4.0% YoY
+1.1% QoQ
|
+13.54% |
21.27%
-1.5% YoY
|
32.88%
-1.5% YoY
|
21.98%
-0.6% YoY
|
Top 8.8% in tier |
| Nonperforming Asset Ratio ? |
1.20%
-19.1% YoY
-23.4% QoQ
|
+0.53% |
0.67%
+11.7% YoY
|
0.60%
-19.3% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
17.51%
+4.8% YoY
+9.0% QoQ
|
+2.67% |
14.84%
-0.4% YoY
|
21.71%
-4.2% YoY
|
17.09%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.49%
+3.0% YoY
+104.8% QoQ
|
-0.04% |
0.53%
+2.5% YoY
|
0.46%
-9.7% YoY
|
0.66%
+5.2% YoY
|
80% |
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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
34.8%
+1.3pp YoY +0.4pp QoQ |
+13.4pp | 21.4% | 34.1% | 22.2% | 91% |
| Brokered Deposits | 0.6% | -8.9pp | 9.5% | 5.2% | 8.5% | 13% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.0%
-0.7pp YoY -2.5pp QoQ |
+7.0pp | 14.0% | 20.2% | 12.5% | 82% |
| CRE |
72.2%
+6.5pp YoY +3.0pp QoQ |
+22.2pp | 50.0% | 50.8% | 41.4% | 90% |
| 1-4 Family |
7.6%
-1.6pp YoY +0.2pp QoQ |
-18.9pp | 26.4% | 20.2% | 31.3% | 11% |
| Consumer |
0.9%
-0.1pp YoY +0.1pp QoQ |
-3.8pp | 4.7% | 3.8% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.5%
+0.8pp YoY +1.5pp QoQ |
+1.9pp | 15.6% | 26.0% | 19.7% | 85% |
| Leverage Ratio |
12.3%
+1.0pp YoY +0.6pp QoQ |
+1.0pp | 11.3% | 13.9% | 12.6% | 79% |
| Total Capital Ratio |
18.8%
+0.8pp YoY +1.5pp QoQ |
+2.1pp | 16.7% | 27.1% | 20.8% | 86% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
148
-11 (-6.9%) YoY -3 (-2.0%) QoQ |
-166 | 313 | 75 | 482 | 21% |
| Assets per Employee ($) |
$7.4M
+9.5% YoY +2.8% QoQ |
-$3.1M | $10.5M | $7.6M | $8.8M | 29% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 6 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.2pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.4% | 42% |
| Nonaccrual |
1.7%
-0.3pp YoY -0.3pp QoQ |
+0.9pp | 0.8% | 1.1% | 1.0% | 90% |
| Allowance Coverage |
1.18x
+70.5% YoY +37.3% QoQ |
-17.53x | 18.71x | 56.44x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY +0.2pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
25.1%
+0.4pp YoY +2.6pp QoQ |
+12.5pp | 12.6% | 18.9% | 11.6% | 96% |
| Cost of Funds (YTD) |
0.9%
+0.1pp YoY -0.1pp QoQ |
-1.0pp | 1.9% | 1.0% | 1.7% | 4% |
| Net Income ($, YTD) |
$14.3M
+21.8% YoY — QoQ |
-$5.0M | $19.2M | $5.6M | $40.4M | 58% |
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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 (3)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.