BlastPoint's Banking Scorecard

The Pioneer Savings Bank

under $100M Specialty: Mortgage OH FDIC cert 27847

Designations: ✓ Community bank

Cleveland, OH

537 banks in the under $100M peer group nationally 22 in OH

The Pioneer Savings Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.86% below tier average
- Loan-to-Deposit Ratio 35.59% above tier average
- Non-Interest-Bearing Deposit Share 22.87% below tier average
- ROA 0.64% below tier average
- Efficiency Ratio 6.51% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$54.4M -4.0% YoY -2.0% QoQ	-$7.9M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	37%
Total Loans ?	$35.3M -0.3% YoY +0.7% QoQ	+$992K	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	55%
Total Deposits ?	$35.4M -4.7% YoY -2.9% QoQ	-$16.4M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	25%
Return on Assets ?	0.21% +396.3% YoY +618.2% QoQ	-0.64%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	19%
Net Interest Margin ?	2.01% +27.6% YoY +21.0% QoQ	-1.86%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.0% in tier
Efficiency Ratio ?	94.14% -22.2% YoY -15.4% QoQ	+6.51%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	16%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	99.70% +4.7% YoY +3.6% QoQ	+35.59%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	Bottom 7.6% in tier
Non-Interest-Bearing Deposit Share ?	0.92% +39.8% YoY -37.3% QoQ	-22.87%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	Bottom 6.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.74% +5.3% YoY +3.3% QoQ	-15.03%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.04% +9.7% YoY -71.3% QoQ	-0.63%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Top Weaknesses (7 metrics)

522

Net Interest Margin

profitability

Value: 2.01%

Peer Median: 3.87%

#522 of 537 Bottom 3.0% in under $100M

502

Non-Interest-Bearing Deposit Share

funding

Value: 0.92%

Peer Median: 23.79%

#502 of 537 Bottom 6.7% in under $100M

497

Loan-to-Deposit Ratio

liquidity

Value: 99.70%

Peer Median: 64.11%

#497 of 537 Bottom 7.6% in under $100M

450

Efficiency Ratio

profitability

Value: 94.14%

Peer Median: 87.63%

#450 of 537 Bottom 16.4% in under $100M

435

Return on Assets

profitability

Value: 0.21%

Peer Median: 0.86%

#435 of 537 Bottom 19.2% in under $100M

431

Tier 1 Capital Ratio

capital

Value: 11.74%

Peer Median: 26.77%

#431 of 537 Bottom 19.9% in under $100M

404

Total Deposits

size

Value: $35.39M

Peer Median: $51.83M

#404 of 537 Bottom 25.0% in under $100M