# PILOT GROVE SAVINGS BANK
PILOT GROVE, IA · FDIC certificate 9100 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.22B | |
| Deposits | $1.08B | |
| Loans and leases | $907.1M | |
| Total equity | $122.1M | |
| Loans / deposits | 82.98% (p40 of band) | 87.10% |
| Liquid assets / assets | 22.45% (p56 of band) | |
| Uninsured deposits / deposits | 34.12% (p59 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.98% (p22 of band) | |
| FHLB advances / assets | 0.98% | |
| Tier 1 leverage | 8.82% (p9 of band) | 10.50% |
| Unrealized securities loss / equity | -1.12% (p87 of band) | -7.75% |
| AOCI / equity | -2.49% (p3 of band) | |
| ROA (annualized) | 2.23% (p94 of band) | 1.26% |
| Net interest margin | 3.87% (p61 of band) | 3.70% |
| Efficiency ratio | 38.14% (p7 of band) | |
| Noncurrent loans | 0.13% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p45 of band) | |
| Reserve coverage of noncurrent | 763.07% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 10.52% (p11 of band) | |
| Auto loans | $22.5M (2.48% of loans; DQ 0.58%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 122 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | liquid assets <10% |  |
| 2019-03 | 0 |  | liquid assets <10% |
| 2019-06 | 1 | liquid assets <10% |  |
| 2019-09 | 1 | capital falling | liquid assets <10% |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-07 [Lee County Sheriff requests public’s help identifying man - wgem.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQSjBjcmVYdWtPVmdoc1hjWkZBVF92ekZPMWJOZDVlRE1wU2l6dlBKelFHV2I5dFNPb1FBNEJjYUxjSVJFSGkwZU9LVGJBMHZ6NzhFNjFlazdIT0QwWXVWeENuTlRYMzJQN216V3YyZHZuWnR6dTlnbDUtYlRuaW45V2ViNUNrSnlIQlhLckxsbmVIbnM?oc=5) · wgem.com
- 2026-07-08 [Winfield Public Library Moving to Former Pilot Grove Savings Bank Location - KCII Radio](https://news.google.com/rss/articles/CBMisgFBVV95cUxQcFN2RjlNSXdmMGl1OTNWNmM5TjZRVU9SLW1nTkdLQnJjdWlZeTcxMHhuVnZKVDlxYW9oX2xPMGwtcWFxODhrYTVRelBxQWk5WGE2ckMwU0N1MW9rUEVuS1dTUHQ5YUNJUDhOejRfWVAwUjRIb0hqSi1scHVBVVpOZnZ2MjhiVWdZRldncUZuTVZUZUNrdmIzU19GVENfZ2h1TnZUUUVFbFZ4YWMzVDJGZHhB?oc=5) · KCII Radio
- 2026-08-25 [Donors line up to help spur Sheaffer campaign - Pen City Current](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdVBWSTdKM2oxMGdlTWpUQlhDQnJVS3VCU3dRcnJLQlF3T2lCTElYX0QzMWxVd1NOUHNFcEo1cVFQYmNPS1ZnZDRHZC1odVFUdE9sX2djc2VkT0gxUnVjVDFHQVVzWkdCdXEzSXBhZTZVRDJnRVpPUWlGbVk4VXNhUmdzSkpsbkRlb1BOdkN0WmlsODlINVJr?oc=5) · Pen City Current
- 2026-06-11 [Chamber looking for a bang on nation's 250th birthday - Pen City Current](https://news.google.com/rss/articles/CBMinwFBVV95cUxNb2VBd3pMMTBmbmxrUXYwczZpS2h3TXpYVFdTWDVEMWEzWVJlVF9BRHd2R082NHdLclBzNWg3U0FfZ1o0cHN0aERFWU5GUjVHUkpxOHJCX0FvRkRrdnR5SktjNTBNRTV3TmRPdzktVi04ZVpST3pCaW5ma1lHem9fWmYyRnJPemF6dEVIdk0zNTItTkRfc3RNSFkxczQtam8?oc=5) · Pen City Current
- 2020-10-05 [Jury finds man guilty of 2018 bank robbery in Jefferson County, Iowa - KYOU-TV](https://news.google.com/rss/articles/CBMipAFBVV95cUxPbkh4aERHZEtVUGVMTzFiRnZ5a3Fpdk95M1kyVXZTSVFyWGxHU0lKREU5OEhveEFfQ0RyMUdwQlRaeHhReGRIZHhZbUNkV0l4NlVBb3IxYkZ0eG9qQmtoSHpGUjNoM0dxNThlNjlWdkpBUHFRaXZnYVhsQVhBa1lKZ3JNY3pvMjhZLVdZNktTUEZLdk5NQVBuaGllNElNZDdhSUg5Z9IBuAFBVV95cUxPcGRTNHN3Y2QyMkFfRlNfSkZuMTJ0UW11MlMtSklITUVDMkJ1U3VnVWNYdkxSdzVNLXdRRzBtTWFGS0xETnB6ZEZwWXJjTGtFODRXRG5qYzMxbmJaQzJDUWxJRzJBemR4VTBacUFNYTFRTXFhWHZtMlZHOUZRc2ttcTA1UXF1UGttQklmUW5aXzBQSWJTZlNyMUN6QkhvbHdJQlFqakVhLWVjellvU3BCdmdtRVVyN2pm?oc=5) · KYOU-TV
- 2023-02-25 [Pilot Grove Savings Bank donates to YMCA | Daily Gate City - Keokuk, Iowa - Daily Gate City](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQaGp4WVlURjFWN1BKSE5tYWt2QWdsZHF3YzhTMmJsOFVuUC1FbjYzcm1aTmlVbVA2RkJ2Z0JCcWkydWFTMTJndktPQldWLW16WlB0YVlneVFJcnBTd21oNEFrU21XTDR0YTJBMU5lNkl0d3Q2dEhLSjBxWENxSjdsY1k1NWZLblQ4WjZNeE54S3hmR2dZSUNWSmgyOVQyZUp3dWFHNFJnaDJDX2tPemZrdVEtNUFJTkZHNXJKeWJnd2wxQnFhSUhKT3R3b2J6SUxYZDl0SDNuT1I4TDYybUE?oc=5) · Daily Gate City
- 2015-01-21 [Gary Lovik Obituary Jan 21, 2015 - Olson - Yoder Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9ubGxfVHNISWFaVlpiWnJ5SGJoZ1dqa09hSmpCTkRNcmdyXzduU05EWWRpdHFJOWtrUDhyQXFhMzQwRDZDOFdOT1FBdk03YVN2cmVEWDdoQW5GWVZBd1h3?oc=5) · Olson - Yoder Funeral Home
- 2016-10-26 [Sylvan Nichting Obituary (1926 - 2016) - Pilot Grove, Iowa, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNN1NjZzRhX0pYcnozRlI4LXNfTlF6c1lOTlAtMy16alk2aFU5Sl9seWZjYUZQd3Y3Nkt1ajdKcWgzeUlqQ3FtbHZ3RS1La2l4cTRqeVpTQWZZeFAwWFNlbkktSmxSQUhVaHRvQS04NUFmSmtoMFJtZzBWeU1Ucnh2NTh4NnlHeGVRTUdaZnNiQl9BTTdyQ2VPVjExb2s?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9100 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "9100", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide