BlastPoint

BlastPoint's Banking Scorecard

Pioneer Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 5193

Mapleton, MN

6 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Pioneer Bank shows strong momentum with 4 strengths and 6.0% YoY asset growth

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

  • + ROA 0.36% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 8.06% below tier average
  • + Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Pioneer Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $885.0M
+6.0% YoY -1.3% QoQ
+$498.9M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
Top 4.5% in tier
Total Loans ? $622.2M
+8.8% YoY -0.8% QoQ
+$366.5M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
Top 5.1% in tier
Total Deposits ? $765.9M
+3.2% YoY -1.6% QoQ
+$437.9M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
Top 3.9% in tier
Return on Assets ? 1.63%
+20.4% YoY +18.5% QoQ
+0.36% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
74%
Net Interest Margin ? 4.05%
+7.0% YoY +0.7% QoQ
+0.12% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
60%
Efficiency Ratio ? 57.22%
-8.2% YoY -3.2% QoQ
-8.06% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
68%
Delinquency Rate ? 0.59%
-12.3% YoY +71.6% QoQ
-0.29% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
41%
Loan-to-Deposit Ratio ? 81.24%
+5.4% YoY +0.8% QoQ
+4.60% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
44%
Non-Interest-Bearing Deposit Share ? 12.40%
+6.2% YoY +0.8% QoQ
-9.62% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
16%
Nonperforming Asset Ratio ? 0.66%
+42.5% YoY +28.4% QoQ
+0.03% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
31%
Tier 1 Capital Ratio ? 13.94%
+0.4% YoY +5.4% QoQ
-1.89% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.07%
-4.1% YoY -78.4% QoQ
-0.21% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
34%

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 (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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

104
Total Deposits
size
Value: $765.89M
Peer Median: $327.97M
#104 of 2664 Top 3.9% in $100M-$1B
120
Total Assets
size
Value: $885.03M
Peer Median: $386.08M
#120 of 2664 Top 4.5% in $100M-$1B
138
Total Loans
size
Value: $622.21M
Peer Median: $255.72M
#138 of 2664 Top 5.1% in $100M-$1B

Top Weaknesses (1 metrics)

2243
Non-Interest-Bearing Deposit Share
funding
Value: 12.40%
Peer Median: 22.02%
#2243 of 2664 Bottom 15.8% in $100M-$1B
Powered by BlastPoint © 2026