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Letter portraitLegal landscapeQuarterYTD

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