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Pioneer State Bank

$100M-$1B Specialty: Mortgage MT FDIC cert 29517

Deer Lodge, MT

2 branches across MT

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 23 in MT.
  • Deposits +16.8% year over year ($100.5M on the books).
  • Delinquency rate 0.60%.
  • Return on assets -2.15%.
  • Efficiency ratio 193.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in MT
View $100M-$1B leaderboard (MT) →

Pioneer State Bank has 1 strength but faces 5 concerns

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

  • + Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.1% in tier
  • - Liquidity Overhang: Bottom 36.0% in tier
  • - Liquidity Strain: Bottom 37.3% in tier
  • - Return on Assets 3.48% below tier average
  • - Net Interest Margin 0.77% below tier average
Get updates when Pioneer State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $133.5M
+18.0% YoY +9.5% QoQ
-$253.0M $386.6M
+1.2% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
Bottom 9.0% in tier
Total Loans ? $92.2M
+8.3% YoY +1.8% QoQ
-$166.1M $258.3M
+1.7% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $100.5M
+16.8% YoY +5.6% QoQ
-$226.2M $326.7M
+0.7% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
Bottom 5.6% in tier
Return on Assets ? -2.15%
-776.7% YoY -183.2% QoQ
-3.48% 1.32%
+10.8% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
Bottom 0.7% in tier
Net Interest Margin ? 3.22%
-3.7% YoY -3.2% QoQ
-0.77% 3.99%
+5.0% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 193.32%
+70.8% YoY +52.8% QoQ
+128.84% 64.48%
-3.2% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
Bottom 0.3% in tier
Delinquency Rate ? 0.60%
+750.9% YoY +905.8% QoQ
-0.32% 0.92%
+15.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 91.75%
-7.2% YoY -3.6% QoQ
+13.80% 77.95%
+1.0% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 13.43%
+56.7% YoY +74.9% QoQ
-8.60% 22.03%
-0.6% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.41%
+681.0% YoY +835.5% QoQ
-0.25% 0.67%
+16.4% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 16.80%
-1.0% YoY +7.1% QoQ
+0.89% 15.91%
+1.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.12%
-0.7% YoY +93.8% QoQ
-0.45% 0.57%
+7.6% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
25%

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 (MT) National Avg Tier Percentile
Noninterest-Bearing 13.4%
+4.9pp YoY
+5.8pp QoQ
 -8.7pp 22.1% 26.8% 22.2% 18%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
C&I 2.9%
+1.6pp YoY
+0.4pp QoQ
 -8.7pp 11.6% 14.3% 12.5% 10%
CRE n/a n/a 39.5% 42.8% 41.4% n/a
1-4 Family 86.5%
-3.1pp YoY
+0.1pp QoQ
 +53.9pp 32.6% 26.0% 31.3% 98%
Consumer 1.1%
-0.5pp YoY
0.0pp QoQ
 -3.0pp 4.1% 2.7% 5.0% 30%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.4% 19.7% n/a
Leverage Ratio 16.8%
-0.2pp YoY
+1.1pp QoQ
 +4.6pp 12.2% 13.2% 12.6% 93%
Total Capital Ratio n/a n/a 19.9% 23.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 22
+1 (+4.8%) YoY
+3 (+15.8%) QoQ
 -37 58 284 482 14%
Assets per Employee ($) $6.1M
+12.6% YoY
-5.5% QoQ
 -$1.4M $7.5M $8.1M $8.8M 35%
Branch Count 2
0 YoY
0 QoQ
 -3 4 21 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.6% 0.4% 52%
Nonaccrual 0.5% -0.4pp 0.9% 1.1% 1.0% 52%
Allowance Coverage 2.02x
-89.0% YoY
-90.7% QoQ
 -22.13x 24.15x 3.69x 20.23x 48%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.2pp 0.1% 0.0% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE -13.7%
-12.2pp YoY
-8.6pp QoQ
 -25.8pp 12.2% 14.2% 11.6% 1%
Cost of Funds (YTD) 1.9%
+0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.5% 1.7% 62%
Net Income ($, YTD) $-1348000.0
-876.8% YoY
— QoQ
 -$3.9M $2.6M $14.9M $40.4M 1%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Efficiency Drag

risk
#34 of 361 • Bottom 9.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 193.32%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#268 of 742 • Bottom 36.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.80%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.75%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Liquidity Strain

risk
#259 of 691 • Bottom 37.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.75%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

633
Tier 1 Capital Ratio
capital
Value: 16.80%
Peer Median: 15.91%
#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (9 metrics)

2637
Efficiency Ratio
profitability
Value: 193.32%
Peer Median: 64.48%
#2637 of 2643 Bottom 0.3% in $100M-$1B
2626
Return on Assets
profitability
Value: -2.15%
Peer Median: 1.32%
#2626 of 2643 Bottom 0.7% in $100M-$1B
2497
Total Deposits
size
Value: $100.51M
Peer Median: $326.73M
#2497 of 2643 Bottom 5.6% in $100M-$1B
2407
Total Assets
size
Value: $133.55M
Peer Median: $386.57M
#2407 of 2643 Bottom 9.0% in $100M-$1B
2230
Total Loans
size
Value: $92.22M
Peer Median: $258.35M
#2230 of 2643 Bottom 15.7% in $100M-$1B
2201
Net Interest Margin
profitability
Value: 3.22%
Peer Median: 3.99%
#2201 of 2643 Bottom 16.8% in $100M-$1B
2147
Non-Interest-Bearing Deposit Share
funding
Value: 13.43%
Peer Median: 22.03%
#2147 of 2643 Bottom 18.8% in $100M-$1B
2043
Loan-to-Deposit Ratio
liquidity
Value: 91.75%
Peer Median: 77.95%
#2043 of 2643 Bottom 22.7% in $100M-$1B
1993
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#1993 of 2643 Bottom 24.6% in $100M-$1B
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