Palo Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 442.46 percentage points higher than in Q1 2026, at 1061.90%. Within Iowa, Palo Savings Bank is 156th of 225 on return on assets, 1.17% as of Q2 2026, below the middle of the field. Palo Savings Bank reported 1.17% on return on assets for Q2 2026, 0.19 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.71% |
| Equity capital to assets | 7.62% |
| Tangible equity to tangible assets | 7.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.03% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 1061.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 15.80% |
| Net interest margin | 3.13% |
| Efficiency ratio | 61.67% |
| Yield on earning assets | 4.60% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.14% |
| Core deposits to total deposits | 94.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.12% |
| Securities to assets | 28.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.60% | 0.85% | 3.11% | 0.22% | 0.00% |
| Q4 2023 | 12.52% | 0.72% | 2.97% | 0.21% | 0.00% |
| Q1 2024 | 12.43% | 0.69% | 2.83% | 0.21% | 0.00% |
| Q2 2024 | 11.77% | 0.96% | 2.93% | 0.05% | 0.00% |
| Q3 2024 | 12.10% | 0.88% | 2.82% | 0.19% | 0.00% |
| Q4 2024 | 11.91% | 0.62% | 2.73% | 0.18% | 0.00% |
| Q1 2025 | 11.91% | 0.61% | 3.14% | 0.16% | 0.00% |
| Q2 2025 | 11.75% | 0.94% | 2.96% | 0.12% | 0.11% |
| Q3 2025 | 12.44% | 0.97% | 3.06% | 0.12% | 0.00% |
| Q4 2025 | 12.16% | 1.11% | 3.21% | 0.11% | 0.00% |
| Q1 2026 | 11.89% | 1.04% | 3.15% | 0.17% | 0.00% |
| Q2 2026 | 11.71% | 1.17% | 3.13% | 0.10% | 0.00% |
Palo Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Palo Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)