BlastPoint's Banking Scorecard

Palo Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 13990

Designations: ✓ Community bank

Palo, IA

541 banks in the under $100M peer group nationally 33 in IA

Palo Savings Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.22% above tier average
+ Efficiency Ratio 22.53% below tier average
+ Delinquency Rate 1.04% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.67% below tier average

Get updates when Palo Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$50.4M +2.4% YoY +6.6% QoQ	-$11.8M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$21.6M -1.9% YoY -4.4% QoQ	-$12.7M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$46.5M +0.7% YoY +6.8% QoQ	-$5.3M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.06% +73.3% YoY +15.5% QoQ	+0.22%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.19% +15.1% YoY +5.1% QoQ	-0.67%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	65.82% -14.5% YoY -4.3% QoQ	-22.53%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.33% +93.1% YoY +71.2% QoQ	-1.04%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	46.44% -2.5% YoY -10.5% QoQ	-17.77%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	22.63% -5.1% YoY +10.3% QoQ	-1.08%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.14% +85.1% YoY +53.6% QoQ	-0.65%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	11.89% -0.2% YoY -2.2% QoQ	-14.80%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.05% +33.7% YoY -75.1% QoQ	-0.61%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

433

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.86%

#433 of 541 Bottom 20.1% in under $100M

426

Tier 1 Capital Ratio

capital

Value: 11.89%

Peer Median: 26.68%

#426 of 541 Bottom 21.4% in under $100M