# PIONEER SAVINGS BANK
CLEVELAND, OH · FDIC certificate 27847 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $54.7M | |
| Deposits | $35.6M | |
| Loans and leases | $36.8M | |
| Total equity | $5.4M | |
| Loans / deposits | 102.43% (p93 of band) | 73.59% |
| Liquid assets / assets | 26.50% (p35 of band) | |
| Uninsured deposits / deposits | 1.27% (p1 of band) | 19.81% |
| Brokered deposits | 20.81% | |
| Wholesale funding | 45.69% (p100 of band) | |
| FHLB advances / assets | 24.87% | |
| Tier 1 leverage | 11.76% (p50 of band) | 11.76% |
| Unrealized securities loss / equity | -25.92% (p17 of band) | -6.57% |
| AOCI / equity | -1.33% (p21 of band) | |
| ROA (annualized) | 0.15% (p9 of band) | 1.17% |
| Net interest margin | 2.02% (p2 of band) | 3.93% |
| Efficiency ratio | 95.45% (p93 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | losing money, charge-offs p90 |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 3 |  | charge-offs p90 |
| 2012-03 | 3 | capital falling | loans exceed deposits |
| 2012-06 | 4 | loans exceed deposits |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 2 |  | loans exceed deposits |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | loans exceed deposits |  |
| 2013-09 | 2 |  | loans exceed deposits |
| 2013-12 | 3 | loans exceed deposits |  |
| 2014-03 | 3 | charge-offs p90 | loans exceed deposits |
| 2014-06 | 4 | loans exceed deposits |  |
| 2014-09 | 4 | noncurrent p90 | charge-offs p90 |
| 2014-12 | 4 |  |  |
| 2015-03 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2015-06 | 5 |  | uninsured deposits leaving |
| 2015-09 | 6 | capital falling |  |
| 2015-12 | 5 |  | capital falling |
| 2016-03 | 3 |  | loans exceed deposits, charge-offs p90 |
| 2016-06 | 5 | loans exceed deposits, capital falling, charge-offs p90 | noncurrent p90 |
| 2016-09 | 3 |  | loans exceed deposits, capital falling |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | noncurrent p90 |  |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2018-03 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 4 | uninsured deposits leaving |  |
| 2019-09 | 3 | expense ratio p90 | reserve under noncurrent, uninsured deposits leaving |
| 2019-12 | 4 | reserve under noncurrent |  |
| 2020-03 | 7 | losing money, NIM <2.5%, noncurrent p90 |  |
| 2020-06 | 5 |  | capital falling, losing money |
| 2020-09 | 5 |  |  |
| 2020-12 | 7 | capital falling, uninsured deposits leaving |  |
| 2021-03 | 3 |  | expense ratio p90, NIM <2.5%, capital falling, uninsured deposits leaving |
| 2021-06 | 4 | uninsured deposits leaving |  |
| 2021-09 | 4 | expense ratio p90 | uninsured deposits leaving |
| 2021-12 | 6 | capital falling, NIM <2.5% |  |
| 2022-03 | 5 | uninsured deposits leaving | capital falling, NIM <2.5% |
| 2022-06 | 4 | AOCI drag >20% of equity | expense ratio p90, uninsured deposits leaving |
| 2022-09 | 6 | securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-12 | 6 | expense ratio p90 | noncurrent p90 |
| 2023-03 | 7 | capital falling, losing money, NIM <2.5% | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 7 |  |  |
| 2023-09 | 6 | uninsured deposits leaving | reserve under noncurrent, NIM <2.5% |
| 2023-12 | 6 | NIM <2.5% | uninsured deposits leaving |
| 2024-03 | 5 | loans exceed deposits, brokered >10% | expense ratio p90, losing money, NIM <2.5% |
| 2024-06 | 6 | NIM <2.5%, uninsured deposits leaving | loans exceed deposits |
| 2024-09 | 7 | loans exceed deposits, losing money, expense ratio p90 | securities losses >30% of equity, uninsured deposits leaving |
| 2024-12 | 8 | securities losses >30% of equity, uninsured deposits leaving | loans exceed deposits |
| 2025-03 | 7 |  | uninsured deposits leaving |
| 2025-06 | 7 |  |  |
| 2025-09 | 4 |  | capital falling, losing money, securities losses >30% of equity |
| 2025-12 | 5 | losing money |  |
| 2026-03 | 4 |  | losing money |
| 2026-06 | 7 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-02-06 [MyPayrollHR fiasco: Banks blame friendship between Michael Mann, Pioneer executive for debacle - timesunion.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcDNpMW5CQUNGeDRNUjZfM3k5Vk05ZnQ0SWZjVUQzaUNtUUMtTVphNFpDbDVPRll6N21mZ3d2MnBHRzZWR3pTV0FKY1dDWW9xaVdab08tUXo3OEhPUi01X1UyeGkzYzFFb09ZM2kzMmsxcmFFMnktTjlubEsxMDBjYjNYUXpxLTduZVdXd08yc2J0VjY1Zm9MQy1GeVcyT3c?oc=5) · timesunion.com
- 2017-01-27 [How Tom Amell turned Pioneer into a $1 billion bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQa2NJN253UWdLa1Q1MzRMU1RnMWRTV0VqQ1lldmFFMTR6dWJ2MldaT0U2b3hPQkxoVlpFeHZETWRqM0xSR0V5S084X25OMWN1R2RvN3IzandhYmVDd0EyMWlrb2xGanVmbTRucjVWOXdGcVZjUXV4MUthZDJfY1JjUXdHTURXTko0NGxBMlNOVzJLNTI0elJWdjh1VEhtR3kxeDdtS2tVcjZZdw?oc=5) · The Business Journals
- 2016-10-27 [Rotterdam police arrest two in Pioneer Bank robbery - WRGB](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVzR4UW9jYVBZM0lCbi1ZazNJSzNTQzk4R0paZzJ5dlJrODdKWlFsRTZQQk9KdW9QLTFMZ3UweGpnbmZkajhyUDlhLWE3b2dmRW5FQmNENU14WERhcnJxZVV1WUVueVZkanNhRWhtWWEzZkVrdTd4dEpYRkRwS2RXN2xkRUxoc2NSeWhGTkl3?oc=5) · WRGB
- 1990-02-02 [Regulators seize Pioneer Savings Bank - upi.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdVVHYnZQYzlrYVdPS1JtX3psRzNUZDd1V2hkZWRqeHZIS0Z5WlVWUnNVNmo4cUIyaFdkR3JFdGc3dkJENkk3SlFJVWF3TnlqaU1MUHlMWDVfR2pKRldHaHBoUXBYeHIwVWRQb0hrbDg0b2NmQy16V1R4YXVJYzVzQU9oWm10WUptZUJFSXFQZjhtVXJLNnM40gGcAUFVX3lxTE43V2F1cU5hU1N4cHN0RV9maHd4dzV5NU9HS1p1QmxhVTBQV3oxVzJhNENDQkltdXZsTXlBX2N1Y3B3d1VxLTRhcnpZVEoxU0Fmb24zYXJHUFMxeGJZank1X0hoSW5DLWMzbWd3QWpwYk9xOEl6a0psVFBpYVV0dXY5dDA3dVJPTFozZGtuWFJtaFVYanl5anpkRC1qTg?oc=5) · upi.com
- 2019-12-31 [DeWitt man charged with 4th bank robbery released without bail - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2019-12-31 [Colonie bank robbery suspect released without bail - timesunion.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQRG1HRjJ4NE11M09JYlFiREdlMndLRGV5RUhxTDJ4bGdnVFNPdGgzYWYwTFNyZDlzNzRDam1FNTVMU21UWVdscmNmczNlUGJvMTZtMDVhNjEyS010Sm9kblJKZUVWZUd1emlOWkMyODNkQkYwOTZ1X0lfdk1KN1RrMm1UVnVsUnBGSFppbFhXbHRBN0ZwcnkwV3VQd0YzanhzM19XdA?oc=5) · timesunion.com
- 2017-06-19 [Stewart's delivers for Pioneer in Watervliet - timesunion.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZWxqT1pZZDloajQ0M3pmUFJMYktFVDlUcFFWZkdwbU1Fd05XYV9udERoM2d2Qmk0bktGTEFheE16R3BZakdNSlZMZm05a25XRWItbkVhYU04R2RmdG9rTE9PWjlMN1RkNXQzVzlOTXowaFZobzM1MFdiSjI1dEFfTDU2Z3pOZzNFb2hCeGhpM0g2T0tualgxODhBQUUyVDVD?oc=5) · timesunion.com
- 2010-07-02 [Two arrested for Watervliet bank heist - timesunion.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNS3BKSlNoUGJELWhNMEFPTFpNY1dPLVVucHFadm9kSWlXTXl3Q0tIOU8wSTRxSG9EVm5ILU4zeWhvaFV4RmNTU3VJbTFkQUpPaFlTOHUxc1ZBU0Q1ckZJdEUzSWgxZlFOckRlRlhPYVpmczJwbUpWaUpLMnpUUFFabkZCSm9YZ2lmZGM2MzAzZXN5TnFn?oc=5) · timesunion.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27847 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "27847", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide