BlastPoint's Banking Scorecard

Pioneer Bank

$100M-$1B Specialty: Commercial VA FDIC cert 6913

Stanley, VA

7 branches across VA

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 VA.
Deposits +7.1% year over year ($296.2M on the books).
Delinquency rate 0.03%.
Return on assets 2.81%.
Efficiency ratio 44.88% vs a 64.48% peer average.
Loan-to-deposit ratio 97.06% 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 VA

View $100M-$1B leaderboard (VA) →

Pioneer Bank shows strong momentum with 5 strengths and 10.1% 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

+ Profitability Leader: Top 3.9% in tier
+ Revenue Diversifier: Top 5.9% in tier
+ Efficiency Ratio 19.60% below tier average
+ Net Interest Margin 0.64% above tier average
+ Delinquency Rate 0.89% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$371.8M +10.1% YoY +2.5% QoQ	-$14.8M	$386.6M +1.2% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	57%
Total Loans ?	$287.5M +8.7% YoY +1.7% QoQ	+$29.2M	$258.3M +1.7% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$296.2M +7.1% YoY +2.0% QoQ	-$30.5M	$326.7M +0.7% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	2.81% +137.1% YoY +73.1% QoQ	+1.48%	1.32% +10.8% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	Top 2.8% in tier
Net Interest Margin ?	4.63% +15.6% YoY +3.3% QoQ	+0.64%	3.99% +5.0% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	44.88% -29.5% YoY -22.9% QoQ	-19.60%	64.48% -3.2% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	Top 8.8% in tier
Delinquency Rate ?	0.03% -55.6% YoY -55.4% QoQ	-0.89%	0.92% +15.7% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	97.06% +1.5% YoY -0.3% QoQ	+19.11%	77.95% +1.0% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	33.34% +5.8% YoY -0.3% QoQ	+11.31%	22.03% -0.6% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	Top 11.7% in tier
Nonperforming Asset Ratio ?	0.02% -56.2% YoY -55.7% QoQ	-0.65%	0.67% +16.4% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	15.67% +10.4% YoY +6.9% QoQ	-0.24%	15.91% +1.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.86% +248.7% YoY +611.2% QoQ	+0.30%	0.57% +7.6% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	Top 4.3% in tier

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	33.3% +1.8pp YoY -0.1pp QoQ	+11.2pp	22.1%	26.2%	22.2%	88%
Brokered Deposits	n/a	n/a	7.9%	8.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	5.4% -0.9pp YoY -0.5pp QoQ	-6.2pp	11.6%	11.0%	12.5%	22%
CRE	48.2% -1.9pp YoY -2.5pp QoQ	+8.6pp	39.5%	46.9%	41.4%	67%
1-4 Family	32.5% 0.0pp YoY +0.3pp QoQ	-0.2pp	32.6%	32.6%	31.3%	56%
Consumer	5.7% -3.8pp YoY -0.7pp QoQ	+1.6pp	4.1%	8.0%	5.0%	81%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	15.7% +1.5pp YoY +1.0pp QoQ	-3.2pp	18.8%	17.2%	19.7%	55%
Leverage Ratio	12.0% +0.9pp YoY +0.5pp QoQ	-0.2pp	12.2%	12.2%	12.6%	65%
Total Capital Ratio	16.5% +1.4pp YoY +0.9pp QoQ	-3.4pp	19.9%	18.3%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	55 -1 (-1.8%) YoY 0 QoQ	-4	58	1,956	482	58%
Assets per Employee ($)	$6.8M +12.1% YoY +2.5% QoQ	-$759K	$7.5M	$9.9M	$8.8M	48%
Branch Count	7 0 YoY 0 QoQ	+2	4	28	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	30%
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	28.76x +91.1% YoY +109.0% QoQ	+4.61x	24.15x	9.47x	20.23x	91%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	24.9% +13.5pp YoY +10.2pp QoQ	+12.7pp	12.2%	12.0%	11.6%	96%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.7%	1.7%	37%
Net Income ($, YTD)	$5.1M +149.9% YoY — QoQ	+$2.5M	$2.6M	$137.1M	$40.4M	88%

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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 (2)

Profitability Leader

growth

#27 of 661 • Top 3.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.81%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#40 of 661 • Top 5.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.86%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.81%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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).

Compare against:

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

Top Strengths (7 metrics)

Return on Assets

profitability

Value: 2.81%

Peer Median: 1.32%

#74 of 2643 Top 2.8% in $100M-$1B

114

Non-Interest Income / Assets

revenue_mix

Value: 0.86%

Peer Median: 0.57%

#114 of 2643 Top 4.3% in $100M-$1B

234

Efficiency Ratio

profitability

Value: 44.88%

Peer Median: 64.48%

#234 of 2643 Top 8.8% in $100M-$1B

311

Non-Interest-Bearing Deposit Share

funding

Value: 33.34%

Peer Median: 22.03%

#311 of 2643 Top 11.7% in $100M-$1B

439

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#439 of 2643 Top 16.6% in $100M-$1B

441

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.99%

#441 of 2643 Top 16.6% in $100M-$1B

458

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#458 of 2633 Top 17.4% in $100M-$1B

Top Weaknesses (1 metrics)

2284

Loan-to-Deposit Ratio

liquidity

Value: 97.06%

Peer Median: 77.95%

#2284 of 2643 Bottom 13.6% in $100M-$1B