THE PIONEER SAVINGS BANK

CLEVELAND, OH · Supervised by FDIC

Est. 1922FDIC #27,847RSSD: FDIC-27847

Needs to Improve Down

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.21%

Is this bank safe?

THE PIONEER SAVINGS BANK received a Needs to Improve CRA rating (2026), and meets basic financial requirements (ROA +0.21%).

Institution Profile

FDIC BankFind

Website

www.psb1922.com

Address

6701 Detroit Ave, CLEVELAND, OH

County

Cuyahoga County

Established

January 1, 1922

Total Assets

$54M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

January 1, 2026

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2031(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$54M

Total Deposits

$35M

Net Loans

$35M

Net Income

$29K

ROA

0.21%

Below avg for Small banks. Peer avg: 0.44%

ROE

2.14%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.21%Peer avg: 0.44%▼ Below avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.13%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$38M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2022	841	75.86%	7.13%
2021	387	77%	1.03%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2026	Needs to Improve	Small Bank
Dec 2019	Satisfactory	Small Bank
Mar 2014	Satisfactory	Small Bank

2 previous ratings locked — back to 2004

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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