BlastPoint's Banking Scorecard
Pioneer Bank
Mapleton, MN
6 branches across MN
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 151 in MN.
- Deposits +3.9% year over year ($763.0M on the books).
- Delinquency rate 0.58%.
- Return on assets 1.57%.
- Efficiency ratio 57.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pioneer Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 7.47% below tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$883.8M
+3.3% YoY
-0.1% QoQ
|
+$497.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 4.5% in tier |
| Total Loans ? |
$642.4M
+3.7% YoY
+3.3% QoQ
|
+$384.1M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 4.3% in tier |
| Total Deposits ? |
$763.0M
+3.9% YoY
-0.4% QoQ
|
+$436.2M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 3.8% in tier |
| Return on Assets ? |
1.57%
+26.5% YoY
-3.3% QoQ
|
+0.25% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.18%
+7.5% YoY
+3.2% QoQ
|
+0.19% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
57.01%
-7.2% YoY
-0.4% QoQ
|
-7.47% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.58%
-28.4% YoY
-1.8% QoQ
|
-0.34% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
84.21%
-0.2% YoY
+3.6% QoQ
|
+6.25% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
12.69%
+4.8% YoY
+2.4% QoQ
|
-9.34% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.67%
+13.3% YoY
+1.0% QoQ
|
+0.00% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
13.65%
+5.6% YoY
-2.1% QoQ
|
-2.26% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.16%
-1.6% YoY
+118.4% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
38% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.7%
+0.6pp YoY +0.3pp QoQ |
-9.5pp | 22.1% | 21.9% | 22.2% | 16% |
| Brokered Deposits |
4.6%
+1.3pp YoY 0.0pp QoQ |
-3.3pp | 7.9% | 8.3% | 8.5% | 49% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.1%
-5.2pp YoY -1.0pp QoQ |
+6.5pp | 11.6% | 14.6% | 12.5% | 84% |
| CRE |
36.7%
+5.4pp YoY +1.6pp QoQ |
-2.8pp | 39.5% | 36.5% | 41.4% | 47% |
| 1-4 Family |
16.2%
+1.9pp YoY +0.7pp QoQ |
-16.4pp | 32.6% | 29.4% | 31.3% | 22% |
| Consumer |
0.7%
-0.2pp YoY -0.1pp QoQ |
-3.4pp | 4.1% | 4.5% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
+0.7pp YoY -0.3pp QoQ |
-5.2pp | 18.8% | 16.5% | 19.7% | 35% |
| Leverage Ratio |
10.2%
+0.2pp YoY 0.0pp QoQ |
-2.0pp | 12.2% | 11.0% | 12.6% | 36% |
| Total Capital Ratio |
14.7%
+0.7pp YoY -0.3pp QoQ |
-5.3pp | 19.9% | 17.6% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
118
-2 (-1.7%) YoY -2 (-1.7%) QoQ |
+59 | 58 | 55 | 482 | 92% |
| Assets per Employee ($) |
$7.5M
+5.0% YoY +1.5% QoQ |
-$29K | $7.5M | $8.6M | $8.8M | 61% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 1.0% | 1.0% | 56% |
| Allowance Coverage |
1.76x
+38.4% YoY +4.5% QoQ |
-22.39x | 24.15x | 20.41x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.8%
+2.1pp YoY -0.7pp QoQ |
+3.6pp | 12.2% | 13.1% | 11.6% | 72% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 82% |
| Net Income ($, YTD) |
$7.0M
+32.3% YoY — QoQ |
+$4.4M | $2.6M | $4.5M | $40.4M | 96% |
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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.