Total Assets
$47M
Total balance-sheet footings
FDIC Cert #13990 · Palo, Iowa · Est. 1908
Palo Savings Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $47M
- Total assets
- D
- Health grade · Weak
- 0.91%
- Return on assets
- 0.0%
- Tier 1 capital
The verdict
Palo Savings Bank earns a PlainBankData health grade of D (42/100), with 0.00% Tier 1 capital, 0.91% ROA, 69% efficiency ratio.
- #4,144
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$44M
Customer-funded liabilities
Net Loans
$23M
Outstanding loan book
Net Income
$435K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Palo Savings Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
1.13%
Equity Capital
Tangible book value as a capital buffer
$4M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 36.6th pct nationally
0.91%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
13.45%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
68.76%
What the numbers say about Palo Savings Bank
Palo Savings Bank is an FDIC-insured institution (Certificate #13990) headquartered in Palo, Iowa, established in 1908. It holds $47M in total assets — 4,144th of 4,313 FDIC-insured banks, $44M in customer deposits, and $23M in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold, and its Texas Ratio of 1.13% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (42/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$2M
Interest Income
$98K
Non-Interest Income
$997K
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Palo Savings Bank reports a Texas Ratio of 1.13% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.13% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Palo Savings Bank
Palo Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Palo Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts — it is not a prediction of failure, and it does not affect insured-deposit safety.
FDIC deposit insurance
Palo Savings Bank is FDIC-insured (Certificate #13990). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Palo Savings Bank (FDIC Cert #13990) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | C | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Palo Savings Bank's health grade?▼
Palo Savings Bank receives a health grade of D (42/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Palo Savings Bank?▼
Palo Savings Bank holds $47M in total assets and $44M in deposits, ranking 4,144th of 4,313 FDIC-insured banks by asset size. It is headquartered in Palo, Iowa.
Is my money safe at Palo Savings Bank?▼
Yes. Palo Savings Bank is FDIC-insured (Certificate #13990). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Palo Savings Bank's Tier 1 Capital Ratio?▼
Palo Savings Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for Palo Savings Bank?▼
Palo Savings Bank has a Texas Ratio of 1.13%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Palo Savings Bank?▼
Palo Savings Bank has an Efficiency Ratio of 68.76%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Palo Savings Bank's profile as a depositor or analyst.
- Palo Savings Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Palo Savings Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.