The Pioneer Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pioneer Savings Bank of Cleveland, OH against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.09% | 3.13% | -3.04% | 16th bottom |
| ROAE | 0.96% | 10.31% | -9.35% | 17th bottom |
| Net Interest Margin | 1.96% | 3.94% | -1.98% | 3rd bottom |
| Efficiency Ratio | 96.57% | 76.28% | +20.29% | 15th bottom |
| PPNR / Avg Assets | 0.06% | 1.41% | -1.35% | 13th bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.28% | 5.35% | -0.07% | 52nd above |
| Cost of Funds | 4.90% | 1.69% | +3.21% | 0th bottom |
| Net Interest Spread | 1.68% | 3.32% | -1.64% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.86% | 1.49% | -0.63% | 18th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.76% | 17.65% | -5.89% | 36th below |
| Equity / Assets | 9.90% | 16.46% | -6.56% | 25th below |
| TCE / Tangible Assets | 9.90% | 16.20% | -6.30% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.32% | 72.79% | +30.53% | 7th bottom |
| Core Deposit Ratio | 21.31% | 88.38% | -67.07% | 2nd bottom |
| Wholesale Funding Ratio | 24.87% | 5.10% | +19.77% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.46% | 4.27% | -8.73% | 13th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.36% | 6.76% | -2.40% | 57th above |
| Deposit Growth (Y/Y) | -5.76% | 3.74% | -9.50% | 11th bottom |
See The Pioneer Savings Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pioneer Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Pioneer Savings Bank profile, how to read a UBPR, or how this data updates.