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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 $0.0MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $35.1M1%Noninterest $0.5MQ2 2025Q2 2026

NIM

5.03%Q2 ’244.97%Q2 ’255.02%Q2 ’26-19%+27%

Non-interest income vs. expense

2.16%Q2 ’241.86%Q2 ’251.93%Q2 ’26-15%+3%

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

Executive Summary

  • Earnings: ROA of 0.10%, up 39 bps year over year; NIM at 1.86%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.10%+39 bps YoY

Net Interest Margin (quarter, annualized)

1.86%+40 bps YoY

Efficiency Ratio (quarter, annualized)

96.75%-2,028 bps YoY

Tier 1 Leverage Ratio

11.76%+89 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.29%0.37%-0.17%0.21%0.10%+39 bps
Return on Equity-3.39%4.09%-1.77%2.14%0.96%+435 bps
Net Interest Margin1.46%1.54%1.60%1.83%1.86%+40 bps
Efficiency Ratio117.03%100.00%108.20%94.14%96.75%-2,028 bps
Non-Interest Burden1.74%1.54%1.74%1.71%1.80%+6 bps
Growth
Asset Growth (YoY)4.08%2.67%-0.17%-4.04%-4.46%-853 bps
Loan Growth (YoY)3.30%-0.76%-0.71%-0.33%4.36%+106 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.93%0.91%0.93%0.88%0.86%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.87%11.29%11.37%11.74%11.76%+89 bps
Total Risk-Based Capital10.87%11.29%11.37%11.74%11.76%+89 bps
Equity / Assets8.71%9.40%9.81%9.93%9.90%+119 bps
Liquidity & Funding
Loans / Deposits93.30%95.02%97.10%100.58%103.32%+1,002 bps
Liquid Assets / Assets0.26%1.91%0.38%0.40%0.06%-21 bps
CRE / Total Capitaln/a66.14%66.05%65.40%n/an/a