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
Unfavorable gap of $1.0M · efficiency ratio beats 4% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.72% | 1.06% | 1.45% | Beats 6% | 703 / 746 | | |
| Return on Equity | 1.55% | 6.74% | 10.51% | 13.63% | Beats 6% | 698 / 746 | | |
| Net Interest Margin | 1.84% | 3.17% | 3.68% | 4.16% | Beats 2% | 731 / 746 | | |
| Efficiency Ratio | 95.45% | 55.74% | 64.58% | 75.47% | Beats 4% | 717 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 532 / 746 | | |
| Total Risk-Based Capital Ratio | 11.76% | 11.71% | 14.33% | 18.43% | Beats 27% | 548 / 746 | | |
| Equity / Assets | 9.90% | 8.90% | 10.51% | 13.06% | Beats 41% | 438 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.32% | 61.31% | 78.27% | 90.78% | 93rd pctl | 52 / 746 | | |
| Loans / Assets | 67.36% | 53.60% | 66.97% | 76.08% | 51st pctl | 365 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |