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Pilot Grove Savings Bank

$1B-$10B Specialty: Agricultural IA FDIC cert 9100

Designations: ✓ Community bank

Pilot Grove, IA

17 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
  • Deposits +13.9% year over year ($1.1B on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.23%.
  • Efficiency ratio 38.14% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.98% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

Pilot Grove 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

  • + Profitability Leader: Top 16.2% in tier
  • + Credit Quality Leader: Top 24.0% in tier
  • + Efficiency Ratio 21.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.1% in tier
Get updates when Pilot Grove 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 ? $1.2B
+13.8% YoY +3.4% QoQ
-$1.6B $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $898.1M
+11.7% YoY +3.0% QoQ
-$1.1B $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $1.1B
+13.9% YoY +3.5% QoQ
-$1.2B $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 2.23%
+24.9% YoY -1.8% QoQ
+0.84% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 6.0% in tier
Net Interest Margin ? 3.87%
+9.6% YoY +0.9% QoQ
+0.00% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 38.14%
-11.0% YoY +4.9% QoQ
-21.59% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 5.6% in tier
Delinquency Rate ? 0.13%
+26.2% YoY +10.4% QoQ
-0.74% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
85%
Loan-to-Deposit Ratio ? 82.98%
-2.0% YoY -0.5% QoQ
-2.06% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 19.55%
+7.7% YoY +3.0% QoQ
-1.73% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 0.10%
+21.3% YoY +4.7% QoQ
-0.57% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 10.22%
+2.8% YoY -1.6% QoQ
-4.63% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 7.5% in tier
Non-Interest Income / Assets ? 0.19%
-10.4% YoY +97.2% QoQ
-0.34% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
29%

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 19.5%
+1.4pp YoY
+0.6pp QoQ
 -1.8pp 21.4% 17.8% 22.2% 48%
Brokered Deposits n/a n/a 9.5% 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 9.6%
-0.5pp YoY
+0.1pp QoQ
 -4.4pp 14.0% 12.8% 12.5% 42%
CRE 7.3%
+0.7pp YoY
+0.1pp QoQ
 -42.7pp 50.0% 28.3% 41.4% 1%
1-4 Family 37.0%
+0.3pp YoY
+0.2pp QoQ
 +10.6pp 26.4% 23.0% 31.3% 78%
Consumer 3.1%
-0.7pp YoY
-0.1pp QoQ
 -1.6pp 4.7% 2.9% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 10.2%
+0.3pp YoY
-0.2pp QoQ
 -5.4pp 15.6% 15.4% 19.7% 2%
Leverage Ratio 8.8%
+0.4pp YoY
-0.1pp QoQ
 -2.5pp 11.3% 12.4% 12.6% 8%
Total Capital Ratio 11.1%
+0.2pp YoY
-0.2pp QoQ
 -5.6pp 16.7% 16.5% 20.8% 1%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 122
-17 (-12.2%) YoY
-7 (-5.4%) QoQ
 -192 313 64 482 14%
Assets per Employee ($) $10.0M
+29.7% YoY
+9.3% QoQ
 -$455K $10.5M $8.9M $8.8M 66%
Branch Count 17
0 YoY
0 QoQ
 -3 20 5 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 54%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.8% 1.0% 1.0% 10%
Allowance Coverage 7.63x
-24.2% YoY
-10.2% QoQ
 -11.08x 18.71x 18.97x 20.23x 84%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 22.3%
+3.9pp YoY
-0.3pp QoQ
 +9.7pp 12.6% 12.8% 11.6% 94%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.8% 1.7% 53%
Net Income ($, YTD) $13.2M
+40.3% YoY
— QoQ
 -$6.0M $19.2M $4.0M $40.4M 54%

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 (2)

Profitability Leader

growth
#37 of 222 • Top 16.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.23%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#54 of 221 • Top 24.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#31 of 492 • Bottom 6.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

51
Efficiency Ratio
profitability
Value: 38.14%
Peer Median: 59.73%
#51 of 885 Top 5.6% in $1B-$10B
54
Return on Assets
profitability
Value: 2.23%
Peer Median: 1.39%
#54 of 885 Top 6.0% in $1B-$10B
135
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#135 of 885 Top 15.1% in $1B-$10B
137
Delinquency Rate
credit_quality
Value: 0.13%
Peer Median: 0.87%
#137 of 882 Top 15.4% in $1B-$10B

Top Weaknesses (4 metrics)

820
Tier 1 Capital Ratio
capital
Value: 10.22%
Peer Median: 14.84%
#820 of 885 Bottom 7.5% in $1B-$10B
719
Total Assets
size
Value: $1.22B
Peer Median: $2.79B
#719 of 885 Bottom 18.9% in $1B-$10B
693
Total Deposits
size
Value: $1.08B
Peer Median: $2.32B
#693 of 885 Bottom 21.8% in $1B-$10B
674
Total Loans
size
Value: $898.14M
Peer Median: $1.96B
#674 of 885 Bottom 24.0% in $1B-$10B
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