The Pioneer Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.73 percentage points higher than in Q1 2026, at 103.32%. On return on assets, The Pioneer Savings Bank is 11th from the bottom among 156 Ohio banks, 0.09% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, The Pioneer Savings Bank reported 0.09% on return on assets in Q2 2026, 0.88 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.09% |
| Return on equity | 0.96% |
| Net interest margin | 1.96% |
| Efficiency ratio | 96.57% |
| Yield on earning assets | 5.28% |
| Cost of funds | 4.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.32% |
| Core deposits to total deposits | 21.31% |
| Brokered deposits to total deposits | 31.93% |
| Deposits to assets | 65.20% |
| Securities to assets | 22.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 14.18% | 0.72% | 3.24% | 0.00% | 0.10% |
| Q4 2023 | 13.86% | 0.11% | 2.05% | 0.00% | -0.03% |
| Q1 2024 | 12.49% | 0.41% | 2.69% | 0.00% | -0.01% |
| Q2 2024 | 11.79% | -0.37% | 1.85% | 0.00% | 0.00% |
| Q3 2024 | 11.45% | -0.38% | 1.53% | 0.00% | -0.01% |
| Q4 2024 | 11.19% | -0.60% | 1.42% | 0.00% | 0.00% |
| Q1 2025 | 11.15% | -0.07% | 1.49% | 0.00% | 0.00% |
| Q2 2025 | 10.87% | -0.29% | 1.52% | 0.00% | 0.00% |
| Q3 2025 | 11.29% | 0.37% | 1.61% | 0.00% | 0.00% |
| Q4 2025 | 11.37% | -0.17% | 1.69% | 0.00% | 0.00% |
| Q1 2026 | 11.74% | 0.21% | 1.93% | 0.00% | 0.00% |
| Q2 2026 | 11.76% | 0.09% | 1.96% | 0.00% | 0.00% |
The Pioneer Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pioneer Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)