The Pioneer Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.73 percentage points in Q2 2026, from 100.58% to 103.32%. It was the largest change from Q1 2026 among the key lines here. Among 156 Ohio banks, The Pioneer Savings Bank sits 15th from the top on loan-to-deposit ratio, 103.32% as of Q2 2026. The Pioneer Savings Bank's loan-to-deposit ratio of 103.32% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 35.69 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.8M |
| Net loans and leases | $36.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.36% |
| Loan-to-deposit ratio | 103.32% |
| Net loans to equity capital | 6.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.49% |
| Multifamily (5+ residential) | 0.94% |
| Commercial and industrial | 0.00% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.66% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.22% |
| Interest income on loans | $558K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $26.3M | $26.0M | 12.22% | 0.00% | 0.97% |
| Q4 2023 | $30.3M | $30.3M | 11.59% | 0.00% | 0.97% |
| Q1 2024 | $32.9M | $32.0M | 10.61% | 0.00% | 0.99% |
| Q2 2024 | $34.2M | $34.9M | 10.17% | 0.00% | 0.38% |
| Q3 2024 | $36.1M | $35.4M | 9.35% | 0.00% | 0.44% |
| Q4 2024 | $35.6M | $36.2M | 9.42% | 0.00% | 0.41% |
| Q1 2025 | $35.7M | $37.2M | 9.36% | 0.00% | 0.18% |
| Q2 2025 | $35.3M | $37.8M | 9.42% | 0.00% | 0.00% |
| Q3 2025 | $35.8M | $37.7M | 10.96% | 0.00% | 0.20% |
| Q4 2025 | $35.4M | $36.4M | 11.05% | 0.00% | 0.20% |
| Q1 2026 | $35.6M | $35.4M | 10.93% | 0.00% | 0.01% |
| Q2 2026 | $36.8M | $35.6M | 10.49% | 0.00% | 0.16% |
The Pioneer Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pioneer Savings Bank, freeSource: Call Report Schedule RC-C, 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)