BlastPoint's Banking Scorecard
First Pioneer National Bank
Wray, CO
2 branches across CO
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 49 in CO.
- Deposits +2.6% year over year ($205.5M on the books).
- Delinquency rate 2.82%.
- Return on assets 1.08%.
- Efficiency ratio 58.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Pioneer National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.08% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.90% above tier average
- - ROA 0.25% below tier average
- - Net Interest Margin 0.79% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$243.4M
+2.4% YoY
-3.6% QoQ
|
-$143.2M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$129.1M
+3.6% YoY
-3.0% QoQ
|
-$129.3M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$205.5M
+2.6% YoY
-3.5% QoQ
|
-$121.3M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.08%
+47.2% YoY
+10.1% QoQ
|
-0.25% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.19%
+20.0% YoY
+4.5% QoQ
|
-0.79% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
58.40%
-13.3% YoY
-3.5% QoQ
|
-6.08% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
2.82%
-3.5% YoY
+3.1% QoQ
|
+1.90% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.0% in tier |
| Loan-to-Deposit Ratio ? |
62.81%
+1.0% YoY
+0.6% QoQ
|
-15.14% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
22.42%
+1.5% YoY
-5.5% QoQ
|
+0.39% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
1.50%
-2.3% YoY
+3.8% QoQ
|
+0.83% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.3% in tier |
| Tier 1 Capital Ratio ? |
12.53%
+0.0% YoY
+0.7% QoQ
|
-3.37% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.08%
-6.2% YoY
+102.3% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.7% in tier |
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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.4%
+0.3pp YoY -1.3pp QoQ |
+0.3pp | 22.1% | 23.5% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.4%
-0.7pp YoY +0.1pp QoQ |
-7.2pp | 11.6% | 8.4% | 12.5% | 16% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
13.6%
+6.9pp YoY +1.5pp QoQ |
-19.0pp | 32.6% | 33.0% | 31.3% | 17% |
| Consumer |
5.5%
-0.7pp YoY 0.0pp QoQ |
+1.4pp | 4.1% | 3.9% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
12.5%
0.0pp YoY +0.1pp QoQ |
+0.4pp | 12.2% | 12.5% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
+2 (+7.4%) YoY +2 (+7.4%) QoQ |
-30 | 58 | 107 | 482 | 25% |
| Assets per Employee ($) |
$8.4M
-4.7% YoY -10.3% QoQ |
+$875K | $7.5M | $7.8M | $8.8M | 73% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.7% | 0.4% | 5% |
| Nonaccrual |
2.8%
-0.1pp YoY +0.1pp QoQ |
+1.9pp | 0.9% | 0.8% | 1.0% | 93% |
| Allowance Coverage |
0.39x
-5.9% YoY -0.5% QoQ |
-23.77x | 24.15x | 12.16x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
+2.5pp YoY +0.7pp QoQ |
-3.0pp | 12.2% | 9.7% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 50% |
| Net Income ($, YTD) |
$1.3M
+52.9% YoY — QoQ |
-$1.2M | $2.6M | $5.4M | $40.4M | 37% |
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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.