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Palo Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 13990

Designations: ✓ Community bank

Palo, IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
  • Deposits +1.3% year over year ($45.3M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.14%.
  • Efficiency ratio 63.70% vs a 119.40% peer average.
  • Loan-to-deposit ratio 47.65% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 32 in IA
View under $100M leaderboard (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 0.14% above tier average
  • + Efficiency Ratio 55.69% below tier average
  • + Delinquency Rate 1.29% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.69% below tier average
Get updates when Palo Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $49.2M
+2.4% YoY -2.4% QoQ
-$13.3M $62.4M
-0.0% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $21.6M
+0.3% YoY +0.0% QoQ
-$13.3M $34.9M
-0.6% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
31%
Total Deposits ? $45.3M
+1.3% YoY -2.5% QoQ
-$6.3M $51.6M
-0.2% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 1.14%
+44.1% YoY +7.5% QoQ
+0.14% 1.00%
+3.5% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.22%
+10.6% YoY +1.1% QoQ
-0.69% 3.91%
+2.3% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 63.70%
-10.9% YoY -3.2% QoQ
-55.69% 119.40%
+49.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.19%
-33.0% YoY -43.1% QoQ
-1.29% 1.48%
+31.8% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 47.65%
-1.0% YoY +2.6% QoQ
-26.56% 74.21%
+12.6% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 20.52%
-7.5% YoY -9.4% QoQ
-2.97% 23.49%
+0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.08%
-34.4% YoY -41.6% QoQ
-0.75% 0.84%
+23.0% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 11.71%
-0.4% YoY -1.5% QoQ
-15.42% 27.13%
+3.0% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.11%
+33.4% YoY +120.7% QoQ
-1.27% 1.38%
+6.3% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
46%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 20.5%
-1.7pp YoY
-2.1pp QoQ
 -4.1pp 24.6% 17.8% 22.2% 38%
Brokered Deposits n/a n/a 9.8% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 7.7%
-0.4pp YoY
0.0pp QoQ
 -5.7pp 13.4% 12.8% 12.5% 37%
CRE n/a n/a 25.2% 28.3% 41.4% n/a
1-4 Family 56.6%
+1.6pp YoY
+1.3pp QoQ
 +21.6pp 35.0% 23.0% 31.3% 78%
Consumer 6.0%
-1.4pp YoY
-0.4pp QoQ
 -1.7pp 7.7% 2.9% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 38.7% 15.4% 19.7% n/a
Leverage Ratio 11.7%
0.0pp YoY
-0.2pp QoQ
 -6.0pp 17.7% 12.4% 12.6% 37%
Total Capital Ratio n/a n/a 39.7% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 7
0 YoY
0 QoQ
 -5 12 64 482 20%
Assets per Employee ($) $7.0M
+2.4% YoY
-2.4% QoQ
 +$837K $6.2M $8.9M $8.8M 66%
Branch Count 1
0 YoY
0 QoQ
 -1 1 5 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
-0.1pp QoQ
 -0.9pp 1.0% 0.4% 0.4% 26%
Nonaccrual 0.1%
0.0pp YoY
-0.1pp QoQ
 -1.6pp 1.7% 1.0% 1.0% 12%
Allowance Coverage 5.44x
+48.8% YoY
+75.6% QoQ
 -0.97x 6.41x 18.97x 20.23x 82%
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 14.9%
+2.1pp YoY
+1.1pp QoQ
 +8.5pp 6.4% 12.8% 11.6% 84%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.4% 1.8% 1.7% 57%
Net Income ($, YTD) $278,000
+47.1% YoY
— QoQ
 -$40K $317,817 $4.0M $40.4M 48%

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).
Comparing against 536 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

435
Tier 1 Capital Ratio
capital
Value: 11.71%
Peer Median: 27.13%
#435 of 536 Bottom 19.0% in under $100M
432
Net Interest Margin
profitability
Value: 3.22%
Peer Median: 3.91%
#432 of 536 Bottom 19.6% in under $100M
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