BlastPoint's Banking Scorecard
The Pioneer Savings Bank
Micro
Specialty: Mortgage
OH
FDIC cert 27847
Designations: ✓ Community bank
Cleveland, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Pioneer Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.13% below tier
- - Net Interest Margin 2.20% below tier
- - Efficiency Ratio 43.59% above tier
- - Non-Interest-Bearing Deposit Share 20.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.5M
-0.2% YoY
-3.2% QoQ
|
-$162.0M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$35.1M
-0.6% YoY
-1.3% QoQ
|
-$104.1M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$36.4M
+0.8% YoY
-3.4% QoQ
|
-$147.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.04%
+83.7% YoY
|
-1.13% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
1.66%
-16.6% YoY
+2.4% QoQ
|
-2.20% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
111.31%
+2.8% YoY
-1.0% QoQ
|
+43.59% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.20%
-1.4% YoY
+2.2% QoQ
|
+21.68% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
1.47%
+11.8% YoY
+105.5% QoQ
|
-20.93% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
+6.2% YoY
+33.3% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (4)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.04%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.66%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
111.31%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.47%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.20% · Tier avg: 74.53%
13
13th pctile
Total Loans
Current: $35.1M · Tier avg: $139.2M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
6
6th pctile
Return on Assets
Current: -0.04% · Tier avg: 1.08%
6
6th pctile
Total Deposits
Current: $36.4M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.47% · Tier avg: 22.39%
2
2th pctile
Efficiency Ratio
Current: 111.31% · Tier avg: 67.73%
1
1th pctile
Net Interest Margin
Current: 1.66% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.66% · Tier avg: 3.85%
2
2th pctile
Efficiency Ratio
Current: 111.31% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 1.47% · Tier avg: 22.39%
6
6th pctile
Total Deposits
Current: $36.4M · Tier avg: $183.7M
6
6th pctile
Return on Assets
Current: -0.04% · Tier avg: 1.08%
9
9th pctile
Total Assets
Current: $55.5M · Tier avg: $217.5M
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
13
13th pctile
Total Loans
Current: $35.1M · Tier avg: $139.2M
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.20% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%