Palo Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Palo Savings Bank of Palo, IA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.17% | 3.14% | -1.97% | 57th above |
| ROAE | 15.80% | 10.41% | +5.39% | 82nd top |
| Net Interest Margin | 3.13% | 3.93% | -0.80% | 17th bottom |
| Efficiency Ratio | 61.67% | 76.32% | -14.65% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.23% | 1.40% | -0.17% | 50th above |
| Yield on Earning Assets | 4.60% | 5.35% | -0.75% | 26th below |
| Cost of Funds | 1.52% | 1.70% | -0.18% | 51st above |
| Net Interest Spread | 2.63% | 3.31% | -0.68% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 1.34% | -1.24% | 59th above |
| NPA / Total Assets | 0.04% | 0.71% | -0.67% | 56th above |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.02% | 1.49% | -0.47% | 30th below |
| ACL / NPLs (Coverage) | 1061.90% | 863.75% | +198.15% | — |
| Texas Ratio | 1.03% | 8.26% | -7.23% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.71% | 17.61% | -5.90% | 36th below |
| Equity / Assets | 7.62% | 16.44% | -8.82% | 7th bottom |
| TCE / Tangible Assets | 7.62% | 16.19% | -8.57% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 48.14% | 72.86% | -24.72% | 74th above |
| Core Deposit Ratio | 94.40% | 88.21% | +6.19% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.41% | 4.31% | -1.90% | 48th below |
| Loan Growth (Y/Y) | 0.31% | 6.73% | -6.42% | 42nd below |
| Deposit Growth (Y/Y) | 1.30% | 3.77% | -2.47% | 46th below |
See Palo Savings Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Palo Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Palo Savings Bank profile, how to read a UBPR, or how this data updates.