BlastPoint's Banking Scorecard
The Pioneer Savings Bank
Designations: ✓ Community bank
Cleveland, OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -5.8% year over year ($35.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.15%.
- Efficiency ratio 95.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 102.43% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Pioneer Savings Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 23.94% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.89% below tier average
- - Loan-to-Deposit Ratio 28.23% above tier average
- - Non-Interest-Bearing Deposit Share 22.03% below tier average
- - ROA 0.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.7M
-4.5% YoY
+0.5% QoQ
|
-$7.8M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
37% |
| Total Loans ? |
$36.5M
+4.4% YoY
+3.5% QoQ
|
+$1.6M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$35.6M
-5.8% YoY
+0.7% QoQ
|
-$16.0M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.15%
+183.2% YoY
-27.5% QoQ
|
-0.84% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
2.02%
+27.4% YoY
+0.9% QoQ
|
-1.89% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio ? |
95.45%
-19.8% YoY
+1.4% QoQ
|
-23.94% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
102.43%
+10.8% YoY
+2.7% QoQ
|
+28.23% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.46%
+35.1% YoY
+59.5% QoQ
|
-22.03% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.76%
+8.2% YoY
+0.1% QoQ
|
-15.37% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.07%
+10.3% YoY
+94.1% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
1.5%
+0.4pp YoY +0.5pp QoQ |
-23.2pp | 24.6% | 18.8% | 22.2% | 2% |
| Brokered Deposits |
31.9%
+2.8pp YoY +0.3pp QoQ |
+22.2pp | 9.8% | 7.7% | 8.5% | 95% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.2% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
89.7%
-1.1pp YoY +0.4pp QoQ |
+54.7pp | 35.0% | 50.0% | 31.3% | 96% |
| Consumer |
0.2%
+0.1pp QoQ |
-7.5pp | 7.7% | 4.7% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
11.8%
+0.9pp YoY 0.0pp QoQ |
-5.9pp | 17.7% | 12.9% | 12.6% | 38% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 2,433 | 482 | 13% |
| Assets per Employee ($) |
$9.1M
-4.5% YoY +0.5% QoQ |
+$2.9M | $6.2M | $7.6M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.6%
+3.7pp YoY -0.6pp QoQ |
-4.8pp | 6.4% | 9.7% | 11.6% | 17% |
| Cost of Funds (YTD) |
3.4%
-0.4pp YoY 0.0pp QoQ |
+2.0pp | 1.4% | 1.7% | 1.7% | 100% |
| Net Income ($, YTD) |
$42,000
+180.8% YoY — QoQ |
-$276K | $317,817 | $259.3M | $40.4M | 17% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.