Total Assets
$56M
Total balance-sheet footings
FDIC Cert #27847 · Cleveland, Ohio · Est. 1922
The Pioneer Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $56M
- Total assets
- D
- Health grade · Weak
- -0.04%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Pioneer Savings Bank earns a PlainBankData health grade of D (48/100), with well-capitalized at 11.37% Tier 1, -0.04% ROA, 111% efficiency ratio.
- #4,087
- largest of 4,313 FDIC banks by assets
- 5th
- percentile by asset size, nationally
- 11.37%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How The Pioneer Savings Bank's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Pioneer Savings Bank's composite health score
Tier 1 Capital Ratio (11.37%) 28/40
Return on Assets (ROA) (-0.04%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (111.31%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$36M
Customer-funded liabilities
Net Loans
$35M
Outstanding loan book
Net Income
$-23K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Pioneer Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Pioneer Savings Bank's score of 48/100 falls in the highlighted band.
The Pioneer Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Pioneer Savings Bank's $56M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.37%
Texas Ratio
0.00%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.04%
Return on Equity (ROE)
-0.45%
Efficiency Ratio
111.31%
What the numbers say about The Pioneer Savings Bank
The Pioneer Savings Bank is an FDIC-insured institution (Certificate #27847) headquartered in Cleveland, Ohio, established in 1922. It holds $56M in total assets - 4,087th of 4,313 FDIC-insured banks, $36M in customer deposits, and $35M in net loans. Its capital position: a Tier 1 ratio of 11.37%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (48 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Pioneer Savings Bank is a community-scale institution -- 147th of 158 FDIC-insured banks headquartered in Ohio by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$3M
Interest Income
$71K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Pioneer Savings Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The Pioneer Savings Bank
The Pioneer Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-23K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Pioneer Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Pioneer Savings Bank (FDIC Cert #27847) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Pioneer Savings Bank's health grade?▼
The Pioneer Savings Bank receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is The Pioneer Savings Bank?▼
The Pioneer Savings Bank holds $56M in total assets and $36M in deposits, ranking 4,087th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cleveland, Ohio.
Is my money safe at The Pioneer Savings Bank?▼
Yes, deposits at The Pioneer Savings Bank (Certificate #27847) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Pioneer Savings Bank's Tier 1 Capital Ratio?▼
The Pioneer Savings Bank has a Tier 1 Capital Ratio of 11.37%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Pioneer Savings Bank?▼
The Pioneer Savings Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Pioneer Savings Bank?▼
The Pioneer Savings Bank has an Efficiency Ratio of 111.31%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Pioneer Savings Bank's profile as a depositor or analyst.
- The Pioneer Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Pioneer Savings Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.