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Pioneer Savings Bank, The

Cleveland, OH · Cert 27847

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pioneer Savings Bank, The

Cleveland, OH · Cert 27847

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.7MAssets
$36.8MLoans
$35.6MDeposits
$5.4MEquity
Loan mix
100%RE $35.7M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $35.1M1%Noninterest $0.5MQ3 2024Q2 2026

Market Position · Cleveland, OH · 2026 SOD (annual) · 0.0% share · #31 of 35 inst. · $0.0B of $136.4B

Executive Summary

  • Earnings: ROA of 0.15%, up 34 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.76%, up 89 bps from a year ago.
  • Funding: loans stand at 103.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.15%+34 bps YoY

Net Interest Margin (YTD, annualized)

1.84%+40 bps YoY

Efficiency Ratio (YTD, annualized)

95.45%-2,353 bps YoY

Tier 1 Leverage Ratio

11.76%+89 bps YoY

NIM

5.25%Q2 ’244.91%Q2 ’254.98%Q2 ’26-33%+28%

Non-interest income vs. expense

2.15%Q2 ’241.87%Q2 ’251.89%Q2 ’26-14%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%-0.25%-0.07%-0.18%0.00%1-0.04%0.21%0.15%+34 bps
Return on Equity-1.33%-2.73%-0.83%-2.13%0.03%-0.45%2.14%1.55%+368 bps
Net Interest Margin1.90%1.76%1.45%1.44%1.48%1.52%1.83%1.84%+40 bps
Efficiency Ratio100.35%108.31%120.98%118.98%112.41%111.31%94.14%95.45%-2,353 bps
Non-Interest Burden1.91%1.91%1.78%1.74%1.68%1.71%1.71%1.75%+1 bps
Growth
Asset Growth (YoY)21.30%9.04%8.84%4.08%2.67%-0.17%-4.04%-4.46%-853 bps
Loan Growth (YoY)37.40%17.63%8.44%3.30%-0.76%-0.71%-0.33%4.36%+106 bps
Deposit Growth (YoY)36.06%19.39%16.16%8.29%6.68%0.78%-4.74%-5.76%-1,405 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.02%0.91%0.93%0.91%0.93%0.88%0.86%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.45%11.19%11.15%10.87%11.29%11.37%11.74%11.76%+89 bps
Total Risk-Based Capital11.45%11.19%11.15%10.87%11.29%11.37%11.74%11.76%+89 bps
Equity / Assets9.40%8.50%8.69%8.71%9.40%9.81%9.93%9.90%+119 bps
Liquidity & Funding
Loans / Deposits102.14%98.56%96.13%93.30%95.02%97.10%100.58%103.32%+1,002 bps
Liquid Assets / Assets0.53%0.27%0.35%0.26%1.91%0.38%0.40%0.06%-21 bps
CRE / Total Capitaln/an/an/an/a66.14%66.05%65.40%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pioneer Savings Bank, The

Cleveland, OH · Cert 27847 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$54.7MAssets
$36.8MLoans
$35.6MDeposits
$5.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: net interest margin trails 98% of banks under $1B in assets operating in a single state (rank 731 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.15%

Rank 703 of 746

Net Interest Margin

1.84%

Rank 731 of 746

Efficiency Ratio

95.45%

Rank 717 of 746

Equity / Assets

9.90%

Rank 438 of 746

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.0M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state
Bank 95.45%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.15%0.72%1.06%1.45%Beats 6%703 / 746
Return on Equity1.55%6.74%10.51%13.63%Beats 6%698 / 746
Net Interest Margin1.84%3.17%3.68%4.16%Beats 2%731 / 746
Efficiency Ratio95.45%55.74%64.58%75.47%Beats 4%717 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.76%11.55%13.75%17.60%Beats 29%532 / 746
Total Risk-Based Capital Ratio11.76%11.71%14.33%18.43%Beats 27%548 / 746
Equity / Assets9.90%8.90%10.51%13.06%Beats 41%438 / 746
Liquidity & Funding
Loans / Deposits103.32%61.31%78.27%90.78%93rd pctl52 / 746
Loans / Assets67.36%53.60%66.97%76.08%51st pctl365 / 746
Brokered Deposits / Depositsn/aNot reported for this institution