PALO SAVINGS BANK

PALO, IA | Micro | Est. Jan. 1, 1908, midnight | FDIC #13990 | RSSD #90047 | FDIC
Latest Report: 2025-12-31

PALO SAVINGS BANK is amn micro FDIC-insured commercial bank headquartered in PALO, IA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $47M and total deposits of $44M. Profitability stands at 1.12% ROA and 14.43% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 7.73%. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.67%. FDIC Certificate #13990. The institution operates 1 domestic branch.

Assets

$47M

Deposits

$44M

Loans

$23M

Equity

$4M

Profitability

Return on Assets (ROA) 1.12%
Return on Equity (ROE) 14.43%
Net Interest Margin (NIM) 3.32%
Yield on Assets 4.98%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.67%
NPA Ratio 0.05%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 7.73%
Tier 1 Capital 7.73%
Total Capital Ratio 8.11%
Leverage Ratio 12.16%
Loan-to-Deposit 52.42%

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