The Pioneer Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.56 percentage points higher than in Q1 2026, at 194.07%. On loan-to-deposit ratio, The Pioneer Savings Bank ranks 15th highest among the 156 banks headquartered in Ohio, at 103.32% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, The Pioneer Savings Bank reported 103.32% on loan-to-deposit ratio in Q2 2026, 35.39 points higher.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $14.5M |
| Fed funds sold and reverse repos | $1.7M |
| Fed funds sold and reverse repos to assets | 3.14% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $13.6M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 24.87% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.32% |
| Net loans and leases to deposits | 102.43% |
| Loans and leases to core deposits | 194.07% |
| Core deposits to total deposits | 21.31% |
| Brokered deposits to total deposits | 31.93% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 101.14% | 72.66% | $0 | $15.7M |
| Q4 2023 | 100.04% | 63.48% | $0 | $15.7M |
| Q1 2024 | 102.98% | 41.71% | $0 | $15.2M |
| Q2 2024 | 97.81% | 29.99% | $0 | $15.2M |
| Q3 2024 | 102.14% | 31.49% | $0 | $15.2M |
| Q4 2024 | 98.56% | 32.22% | $0 | $14.7M |
| Q1 2025 | 96.13% | 27.63% | $0 | $14.6M |
| Q2 2025 | 93.30% | 24.19% | $0 | $14.4M |
| Q3 2025 | 95.02% | 23.97% | $0 | $14.2M |
| Q4 2025 | 97.10% | 22.43% | $0 | $13.6M |
| Q1 2026 | 100.58% | 21.14% | $0 | $13.6M |
| Q2 2026 | 103.32% | 21.31% | $0 | $13.6M |
The Pioneer Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pioneer Savings Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Pioneer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27847) · FFIEC NIC profile (RSSD 643274)