Pilot Grove Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Pilot Grove Savings Bank is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Pilot Grove Savings reported $1.2B in total assets against $1.1B in deposits. Profitability is strong, 2.19% ROA, paired with 21.94% ROE and a 3.86% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 10.22% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.09%. Its footprint covers 17 branches concentrated in Iowa.
As of June 30, 2026, Pilot Grove Savings Bank reported a CET1 capital ratio of 10.22%, a return on assets of 2.19%, a nonperforming-loan ratio of 0.09%, a Texas ratio of 1.11%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1341 Pilot Grove Rd, Pilot Grove, IA 52648
- County
- Lee
- Metro Area
- Fort Madison, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Offices
- 17 domestic
- Employees (FTE)
- 122
- Domestic deposits
- $1.08B
- Allowance for credit losses
- $9.0M
- Net charge-offs (YTD)
- $102K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9100
- Fed RSSD
- 585749
- Website
- www.pilotgrovesavingsbank.com →
- Parent Holding Company
- PILOT BANCORP, INC. (RSSD 1208885)
- Ultimate Parent
- RSSD 1881532
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Pilot Grove Savings Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Pilot Grove Savings Bank, freePilot Grove Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Pilot Grove Savings Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.22% | 2.19% | 0.09% | 1.11% | 3.86% |
| Q1 2026 | 10.38% | 2.28% | 0.09% | 1.06% | 3.81% |
| Q4 2025 | 10.01% | 1.65% | 0.10% | 1.07% | 3.73% |
| Q3 2025 | 9.99% | 1.87% | 0.03% | 1.32% | 3.66% |
| Q2 2025 | 9.94% | 1.73% | 0.08% | 0.95% | 3.61% |
| Q1 2025 | 9.89% | 1.84% | 0.09% | 1.26% | 3.42% |
| Q4 2024 | 9.60% | 1.17% | 0.09% | 1.66% | 3.32% |
| Q3 2024 | 10.45% | 1.60% | 0.02% | 1.26% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Pilot Grove Savings Bank (main office) | Pilot Grove , IA | 52648 | $181.2M |
| Mount Pleasant Branch | Mount Pleasant , IA | 52641 | $152.4M |
| Donnellson Branch | Donnellson , IA | 52625 | $106.3M |
| Fort Madison Branch | Fort Madison , IA | 52627 | $100.9M |
| Keokuk Branch | Keokuk , IA | 52632 | $98.3M |
| West Point Branch | West Point , IA | 52656 | $72.8M |
| Winfield Br | Winfield , IA | 52659 | $52.9M |
| Mount Pleasant Branch | Mount Pleasant , IA | 52641 | $50.8M |
| Wayland Branch | Wayland , IA | 52654 | $42.7M |
| Packwood Branch | Packwood , IA | 52580 | $33.7M |
| Fort Madison Branch | Fort Madison , IA | 52627 | $33.6M |
| Houghton Branch | Houghton , IA | 52631 | $32.0M |
| Fairfield Branch | Fairfield , IA | 52556 | $31.4M |
| Boulevard Road Branch | Keokuk , IA | 52632 | $30.2M |
| West Burlington Branch | West Burlington , IA | 52655 | $24.5M |
| Keosippi Shopping Plaza Branch | Keokuk , IA | 52632 | $22.7M |
| Bonaparte Branch | Bonaparte , IA | 52620 | $15.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 13, 2024 | Structure Change | Acquired Wayland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 12, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2004 | Structure Change | Acquired The Farmers National Bank of Winfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2001 | Structure Change | Acquired Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 21, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 1983 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for Pilot Grove Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in IA, rank 25 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Pilot Grove Savings Bank
What are Pilot Grove Savings Bank's total assets?
As of the Q2 2026 filing, Pilot Grove Savings Bank reported total assets of $1.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Pilot Grove Savings Bank headquartered?
Pilot Grove Savings Bank is headquartered in Pilot Grove, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Pilot Grove Savings Bank founded?
Pilot Grove Savings Bank was established in 1911, per the FDIC institution directory.
Is Pilot Grove Savings Bank FDIC-insured?
Yes. Pilot Grove Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #9100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pilot Grove Savings Bank?
Pilot Grove Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Pilot Grove Savings Bank's CET1 capital ratio?
Pilot Grove Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.22% in its Q2 2026 call report, above regulatory requirements.
How many branches does Pilot Grove Savings Bank operate?
Pilot Grove Savings Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pilot Grove Savings Bank's Texas Ratio?
Pilot Grove Savings Bank's Texas Ratio is 1.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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