TellerScore

The Pioneer Savings Bank (FDIC certificate #27847) is based in Cleveland, Ohio. Its Q2 2026 call report shows $54.7M in total assets and $35.6M in deposits and 1 office.

Based on its Q2 2026 filing, The Pioneer Savings Bank scores 69/100, which we describe as moderate. That is higher than only 37% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 86th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (26/100; 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 102.4% · 1.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the earnings component improved by 13 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202466
Q4 202465
Q1 202567
Q2 202566
Q3 202568
Q4 202567
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%8.40%11.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.79%
Q3 202411.45%
Q4 202411.19%
Q1 202511.15%
Q2 202510.87%
Q3 202511.29%
Q4 202511.37%
Q1 202611.74%
Q2 202611.76%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.25%-0.02%0.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 2024-0.12%
Q4 2024-0.25%
Q1 2025-0.07%
Q2 2025-0.18%
Q3 20250.00%
Q4 2025-0.04%
Q1 20260.21%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$54.7M11.76%0.00%0.15%102.4%
Q1 202670$54.4M11.74%0.00%0.21%99.7%
Q4 202567$55.5M11.37%0.00%-0.04%96.2%
Q3 202568$57.3M11.29%0.00%0.00%94.2%
Q2 202566$57.2M10.87%0.00%-0.18%92.4%
Q1 202567$56.7M11.15%0.00%-0.07%95.3%
Q4 202465$55.6M11.19%0.00%-0.25%97.6%
Q3 202466$55.8M11.45%0.00%-0.12%101.1%
Q2 202469$55.0M11.79%0.00%0.01%96.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.76%
38th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.15%
15th
Net interest margin2.02%
4th
Efficiency ratio95.5%
14th
Loans to deposits102.4%
7th
Uninsured deposits1.3%
98th
Loan-loss reserves0.86%
22nd
Texas ratio0.0%
85th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Union Banking CompanyBank West Mansfield, OH65 out of 100, Moderate$54.5M10.8%0.67%vs
Liberty BankBank Ironton, OH82 out of 100, Strong$55.7M18.0%0.77%vs
Community First Bank, National AssociationBank Forest, OH70 out of 100, Strong$56.3M9.4%0.00%vs
Fortuna BankBank Grandview Heights, OH76 out of 100, Strong$57.3M34.1%0.00%vs
The Waterford Commercial and Savings BankBank Waterford, OH83 out of 100, Strong$60.0M13.6%0.09%vs
The Peoples BankBank Gambier, OH71 out of 100, Strong$60.4M10.8%0.33%vs

Deposit insurance

Is my money safe at The Pioneer Savings Bank?

Yes. The Pioneer Savings Bank is an FDIC-insured institution (FDIC certificate #27847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 1.3% of deposits ($452K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Pioneer Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Pioneer Savings Bank
Former names
Pioneer Savings and Loan Company
Type
State-chartered bank
FDIC certificate #
27847
RSSD ID
643274
Primary regulator
FDIC
Established
January 1, 1922
Headquarters
6701 Detroit Ave, Cleveland, OH 44102
Employees
6

Quick answers

The Pioneer Savings Bank: common questions

Is The Pioneer Savings Bank FDIC insured?

Yes. The Pioneer Savings Bank is an FDIC-insured institution (FDIC certificate #27847). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Pioneer Savings Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Pioneer Savings Bank ever failed?

There is no failure record for FDIC certificate #27847 in the FDIC failed bank list.

How many branches does The Pioneer Savings Bank have?

1 office as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Solon/Chagrin Falls Federal Credit UnionCredit union Solon, OH90 out of 100, Very strong$9.6M19.8%0.04%vs
Cleveland Selfreliance Federal Credit UnionCredit union Parma, OH88 out of 100, Very strong$113.7M17.3%0.01%vs
Acme Federal Credit UnionCredit union Eastlake, OH88 out of 100, Very strong$15.2M18.9%0.18%vs