BanksPALO SAVINGS BANK

PALO SAVINGS BANK

PALO, IAMicroEst. Jan. 1, 1908, midnightFDIC #13990RSSD #90047FDIC
Latest · 2025-12-31

PALO SAVINGS BANK is an 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%. CET1 capital ratio: 7.73%. NPL ratio: 0.11% · Texas Ratio: 0.67%. 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 Margin3.32%
Yield on Assets4.98%
Cost of Funds1.66%

Asset Quality

NPL Ratio0.11%
Net Charge-Off Ratio0.03%
Texas Ratio0.67%
NPA Ratio0.05%
ACL / Loans0.98%

Capital & Liquidity

CET1 Ratio7.73%
Tier 1 Capital7.73%
Total Capital Ratio8.11%
Leverage Ratio12.16%
Loan-to-Deposit52.42%

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