BlastPoint's Banking Scorecard

Pioneer State Bank

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

Designations: ✓ Mutual

Deer Lodge, MT

2 branches across MT

2664 banks in the $100M-$1B peer group nationally 22 in 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

+ Credit Quality Leader: Top 13.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 34.5% in tier
- Return on Assets 2.03% below tier average
- Efficiency Ratio 61.27% above tier average
- Non-Interest-Bearing Deposit Share 14.34% below tier average
- Net Interest Margin 0.60% below tier average

Get updates when Pioneer State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$122.0M +9.3% YoY +1.7% QoQ	-$264.1M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	Bottom 6.5% in tier
Total Loans ?	$90.6M +5.1% YoY +0.9% QoQ	-$165.1M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$95.2M +12.3% YoY +2.4% QoQ	-$232.8M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	Bottom 4.2% in tier
Return on Assets ?	-0.76% -6.4% YoY -397.6% QoQ	-2.03%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Bottom 1.3% in tier
Net Interest Margin ?	3.33% +3.1% YoY -0.9% QoQ	-0.60%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	23%
Efficiency Ratio ?	126.55% +5.1% YoY +19.3% QoQ	+61.27%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Bottom 0.7% in tier
Delinquency Rate ?	0.06% -12.9% YoY	-0.83%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	95.18% -6.5% YoY -1.5% QoQ	+18.54%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	7.68% -7.1% YoY -15.2% QoQ	-14.34%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	Bottom 6.5% in tier
Nonperforming Asset Ratio ?	0.04% -16.3% YoY	-0.59%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	15.68% -7.3% YoY -2.3% QoQ	-0.15%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.06% -12.1% YoY -72.4% QoQ	-0.22%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	26%

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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 (1)

Credit Quality Leader

growth

#89 of 664 • Top 13.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#223 of 643 • Bottom 34.5% 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: 95.18%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

569

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#569 of 2664 Top 21.3% in $100M-$1B

578

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#578 of 2654 Top 21.7% in $100M-$1B

Top Weaknesses (8 metrics)

2647

Efficiency Ratio

profitability

Value: 126.55%

Peer Median: 65.29%

#2647 of 2664 Bottom 0.7% in $100M-$1B

2630

Return on Assets

profitability

Value: -0.76%

Peer Median: 1.27%

#2630 of 2664 Bottom 1.3% in $100M-$1B

2553

Total Deposits

size

Value: $95.16M

Peer Median: $327.97M

#2553 of 2664 Bottom 4.2% in $100M-$1B

2491

Non-Interest-Bearing Deposit Share

funding

Value: 7.68%

Peer Median: 22.02%

#2491 of 2664 Bottom 6.5% in $100M-$1B

2491

Total Assets

size

Value: $121.99M

Peer Median: $386.08M

#2491 of 2664 Bottom 6.5% in $100M-$1B

2259

Loan-to-Deposit Ratio

liquidity

Value: 95.18%

Peer Median: 76.64%

#2259 of 2664 Bottom 15.2% in $100M-$1B

2240

Total Loans

size

Value: $90.57M

Peer Median: $255.72M

#2240 of 2664 Bottom 16.0% in $100M-$1B

2057

Net Interest Margin

profitability

Value: 3.33%

Peer Median: 3.93%

#2057 of 2664 Bottom 22.8% in $100M-$1B