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Palo Savings Bank
Palo, IA · FDIC Certificate #13990 · Chartered 01/0
Total assets
$49.18M
Total deposits
$45.30M
Total equity
$3.75M
Net loans
$21.59M
Branches (offices)
1
Net income (YTD)
$278.00K
Rank: #4,046 of 4,213 U.S. banks by assets · #215 of 225 in Iowa. Assets changed 2.4% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 14.90% |
| Net interest margin (YTD) | 3.22% |
| Equity to assets | 7.62% |
| Tier 1 leverage ratio | 11.71% |
| Uninsured deposits (share of deposits) | 14.2% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 47.7% |
| Real estate loans (share of loans) | 76.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $16.49M | 76.4% | |
| Commercial & industrial | $1.66M | 7.7% | |
| Consumer / individual | $1.28M | 6.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.30M | 10.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $46.39M | $44.14M | $227.00K | $2.18M |
| Jun 2023 | $44.71M | $42.33M | $225.00K | $2.25M |
| Jun 2024 | $47.60M | $44.88M | $193.00K | $2.55M |
| Jun 2025 | $48.02M | $44.72M | $189.00K | $3.16M |
| Jun 2026 | $49.18M | $45.30M | $278.00K | $3.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $45.30M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $45.30M.
Similar-sized banks
Peoples State Bank Of Colfax ($49.51M) · Buckley State Bank ($49.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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