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Overview / Commentary
606 First Street
Palo, IA 52324

Palo Savings Bank is headquartered in Palo and is the 295th largest bank in the state of Iowa. It is also the 5,791st largest bank in the nation. It was established in 1908 and as of June of 2016, it had grown to 6 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 - YTD1.86%
Return on Equity - YTD13.19%
Annual Interest Income$631.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$32.8MM$31.9MM
LoansQ2 2016vs Q2 2015$17.4MM$18.3MM
DepositsQ2 2016vs Q2 2015$28.0MM$27.5MM
Equity CapitalQ2 2016vs Q2 2015$4.8MM$4.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$187.00K$192.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$87.00K$82.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$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