Pilot Grove Savings Bank
Total assets
$1.22B
▲ +13.8% YoY
Deposits
$1.08B
▲ +13.9% YoY
Loans
$898.1M
▲ +11.7% YoY
Offices
17
PILOT GROVE SB EMPLOYEE STK OWNERSHIP PLAN
ROA (annualized)
2.23%
peers 1.26%
ROE (annualized)
22.26%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.3 pts |
| Deposit growth (YoY) | +13.9% | +5.1% | +8.8 pts |
| Loan growth (YoY) | +11.7% | +5.9% | +5.8 pts |
| ROA | 2.23% | 1.26% | +1.0 pts |
| ROE | 22.3% | 12.2% | +10.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1911
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PILOT GROVE SB EMPLOYEE STK OWNERSHIP PLAN
- Specialization
- Agricultural Specialization
- Address
- 1341 Pilot Grove Rd, Pilot Grove, IA, 52648
- County
- Lee
- Metro area
- Fort Madison-Keokuk, IA-IL-MO
- Offices
- 17
- FDIC cert #
- 9100
- RSSD ID
- 585749
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.08B | $898.1M | $122.1M | $13.2M | 2.23% | 3.87% | 0.10% |
| Q1 2026 | $1.18B | $1.05B | $872.4M | $118.9M | $6.6M | 2.28% | 3.84% | 0.10% |
| Q4 2025 | $1.14B | $1.01B | $854.2M | $115.6M | $19.2M | 1.77% | 3.63% | 0.10% |
| Q3 2025 | $1.11B | $979.2M | $833.1M | $111.4M | $14.5M | 1.81% | 3.58% | 0.12% |
| Q2 2025 | $1.07B | $950.3M | $804.2M | $106.5M | $9.4M | 1.79% | 3.53% | 0.08% |
| Q1 2025 | $1.07B | $942.6M | $790.9M | $103.7M | $4.8M | 1.85% | 3.44% | 0.11% |
| Q4 2024 | $1.02B | $915.8M | $775.0M | $97.1M | $13.8M | 1.49% | 3.26% | 0.14% |
| Q3 2024 | $1.02B | $909.6M | $760.5M | $104.7M | $10.8M | 1.60% | 3.20% | 0.11% |
Loan mix (Q2 2026): real estate $644.1M · commercial $86.5M · consumer $28.2M · securities $242.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.23% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% | 60th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 59.0% | 6th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Pilot Grove Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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