The Pioneer Savings Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Cost of interest-bearing deposits edged up by 0.09 percentage points, from 3.25% to 3.34%, the largest move among the key lines here. The Pioneer Savings Bank has the 7th lowest net interest margin of the 156 banks headquartered in Ohio, at 1.96% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Pioneer Savings Bank sits 1.93 points lower, at 1.96% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | 6.22% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.90% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.96% |
| Yield to cost spread | 1.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $558K |
| Total interest expense | $438K |
| Interest expense on deposits | $293K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.88% | 4.21% | 3.24% | 7.87% | 2.65% |
| Q4 2023 | 4.86% | 4.82% | 2.05% | 5.96% | 2.69% |
| Q1 2024 | 5.90% | 4.89% | 2.69% | 7.46% | 2.67% |
| Q2 2024 | 5.13% | 5.09% | 1.85% | 6.18% | 2.77% |
| Q3 2024 | 4.98% | 5.45% | 1.53% | 5.82% | 2.72% |
| Q4 2024 | 5.04% | 5.57% | 1.42% | 5.93% | 2.83% |
| Q1 2025 | 5.08% | 5.42% | 1.49% | 6.00% | 2.96% |
| Q2 2025 | 5.15% | 5.38% | 1.52% | 6.09% | 3.06% |
| Q3 2025 | 5.19% | 5.35% | 1.61% | 6.15% | 3.06% |
| Q4 2025 | 5.17% | 5.12% | 1.69% | 6.15% | 2.91% |
| Q1 2026 | 5.21% | 4.86% | 1.93% | 6.22% | 2.90% |
| Q2 2026 | 5.28% | 4.90% | 1.96% | 6.22% | 2.96% |
The Pioneer Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pioneer Savings Bank, freeSource: Call Report Schedules RI and RC-K, 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)