Palo Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.22 percentage points higher than in Q1 2026, at 48.14%. On loan-to-deposit ratio, Palo Savings Bank is 14th from the bottom among 225 Iowa banks, 48.14% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Palo Savings Bank sits 19.48 points lower, at 48.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.8M |
| Net loans and leases | $21.6M |
| Loans held for sale | $0 |
| Loans to total assets | 44.35% |
| Loan-to-deposit ratio | 48.14% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.69% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.61% |
| Consumer | 5.89% |
| Credit cards | 0.00% |
| Farm | 18.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.44% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $346K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $21.6M | $41.5M | 1.60% | 10.09% | 8.55% |
| Q4 2023 | $22.4M | $42.2M | 1.53% | 9.21% | 7.80% |
| Q1 2024 | $22.6M | $43.8M | 0.87% | 9.81% | 7.48% |
| Q2 2024 | $22.2M | $44.9M | 0.87% | 8.53% | 7.28% |
| Q3 2024 | $21.9M | $43.2M | 0.85% | 7.87% | 7.83% |
| Q4 2024 | $22.2M | $43.7M | 0.78% | 7.18% | 7.56% |
| Q1 2025 | $22.2M | $46.1M | 0.77% | 8.29% | 7.26% |
| Q2 2025 | $21.7M | $44.7M | 0.76% | 7.96% | 7.24% |
| Q3 2025 | $21.8M | $42.9M | 0.74% | 7.35% | 7.06% |
| Q4 2025 | $22.8M | $43.5M | 0.69% | 6.95% | 6.75% |
| Q1 2026 | $21.8M | $46.5M | 0.71% | 7.62% | 6.30% |
| Q2 2026 | $21.8M | $45.3M | 0.69% | 7.61% | 5.89% |
Palo Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Palo Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Palo Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13990) · FFIEC NIC profile (RSSD 90047)