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Overview / Commentary
606 First Street
Palo, IA 52324

Palo Savings Bank is headquartered in Palo and is the 291st largest bank in the state of Iowa. It is also the 5,677th largest bank in the nation. It was established in 1908 and as of December of 2016, it had grown to 7 employees at 1 location. Palo Savings Bank has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Palo Savings Bank has a low asset base.

Health Grade Components

FDIC Certificate #13990
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.65%
Return on Equity - YTD11.8%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$32.2MM$32.2MM
LoansQ4 2016vs Q4 2015$17.2MM$18.7MM
DepositsQ4 2016vs Q4 2015$27.9MM$27.2MM
Equity CapitalQ4 2016vs Q4 2015$4.3MM$4.4MM
Loan Loss AllowanceQ4 2016vs Q4 2015$187.00K$189.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$111.00K$99.00K
Real Estate OwnedQ4 2016vs Q4 2015$72.00K$0
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Palo Savings Bank CD Rates

1.51%*$100k*-25 Month Non-Renewable CD Special
OTHER TIERS: 1.31% $1k - $20k | 1.41% $20k - $100k
1.10%*$100k*-36 Month CD
OTHER TIERS: 0.90% $1k - $20k | 1.00% $20k - $100k
1.05%*$100k*-13 Month Non-Renewable CD Special
OTHER TIERS: 0.85% $1k - $20k | 0.95% $20k - $100k
1.00%*$100k*-36 Month Trade A Rate CD Special
OTHER TIERS: 0.80% $1k - $20k | 0.90% $20k - $100k
0.95%*$100k*-24 Month CD
OTHER TIERS: 0.75% $1k - $20k | 0.85% $20k - $100k
0.80%*$100k*-18 Month CD
OTHER TIERS: 0.60% $1k - $20k | 0.70% $20k - $100k
0.60%*$100k*-12 Month CD
OTHER TIERS: 0.40% $1k - $20k | 0.50% $20k - $100k
0.45%*$100k*-182 Day CD
OTHER TIERS: 0.25% $1k - $20k | 0.35% $20k - $100k
0.35%*$100k*-91 Day CD
OTHER TIERS: 0.15% $1k - $20k | 0.25% $20k - $100k

Palo Savings Bank Locations
Palo Savings Bank606 First StreetPalo, IA 52324