BlastPoint's Banking Scorecard

Pioneer Bank

$1B-$10B Specialty: Commercial NM FDIC cert 27872

Designations: ✓ Community bank

Roswell, NM

11 branches across NM

884 banks in the $1B-$10B peer group nationally 5 in NM

Pioneer Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 30.2% in tier
+ Profitability Leader: Top 37.6% in tier
+ Revenue Diversifier: Top 41.2% in tier
+ Efficiency Ratio 7.63% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$1.1B +4.0% YoY -3.8% QoQ	-$1.7B	$2.8B -0.1% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	Bottom 8.8% in tier
Total Loans ?	$657.6M +14.4% YoY +1.9% QoQ	-$1.3B	$2.0B +0.6% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	Bottom 6.7% in tier
Total Deposits ?	$825.1M -0.4% YoY -2.3% QoQ	-$1.5B	$2.3B -0.3% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	Bottom 2.8% in tier
Return on Assets ?	2.28% +6.8% YoY +4.3% QoQ	+0.92%	1.37% +19.6% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	Top 5.5% in tier
Net Interest Margin ?	4.78% -7.4% YoY -6.1% QoQ	+0.96%	3.82% +6.9% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 7.5% in tier
Efficiency Ratio ?	53.44% -4.4% YoY -0.3% QoQ	-7.63%	61.06% -4.6% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	68%
Delinquency Rate ?	2.23% +4.1% YoY +33.6% QoQ	+1.34%	0.89% +14.1% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	Bottom 8.1% in tier
Loan-to-Deposit Ratio ?	79.70% +14.8% YoY +4.3% QoQ	-4.51%	84.20% +0.3% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	34.43% +4.7% YoY +1.7% QoQ	+13.14%	21.29% -2.5% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 10.0% in tier
Nonperforming Asset Ratio ?	1.57% +12.8% YoY +34.7% QoQ	+0.90%	0.67% +15.6% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	Bottom 10.4% in tier
Tier 1 Capital Ratio ?	16.06% -2.5% YoY +0.5% QoQ	+0.90%	15.16% +2.0% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.24% +1.6% YoY -74.4% QoQ	-0.02%	0.26% +1.6% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth

#27 of 86 • Top 30.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.43%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.78%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Profitability Leader

growth

#84 of 221 • Top 37.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.28%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#92 of 221 • Top 41.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.24%

(Tier: 0.26%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.28%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 2.28%

Peer Median: 1.37%

#50 of 884 Top 5.5% in $1B-$10B

Net Interest Margin

profitability

Value: 4.78%

Peer Median: 3.82%

#67 of 884 Top 7.5% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 34.43%

Peer Median: 21.29%

#89 of 884 Top 10.0% in $1B-$10B

169

Tier 1 Capital Ratio

capital

Value: 16.06%

Peer Median: 15.16%

#169 of 884 Top 19.0% in $1B-$10B

189

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.26%

#189 of 884 Top 21.3% in $1B-$10B

Top Weaknesses (5 metrics)

860

Total Deposits

size

Value: $825.06M

Peer Median: $2.34B

#860 of 884 Bottom 2.8% in $1B-$10B

826

Total Loans

size

Value: $657.56M

Peer Median: $1.96B

#826 of 884 Bottom 6.7% in $1B-$10B

810

Delinquency Rate

credit_quality

Value: 2.23%

Peer Median: 0.89%

#810 of 880 Bottom 8.1% in $1B-$10B

807

Total Assets

size

Value: $1.09B

Peer Median: $2.82B

#807 of 884 Bottom 8.8% in $1B-$10B

793

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.67%

#793 of 884 Bottom 10.4% in $1B-$10B