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Park State Bank & Trust

Woodland Park, CO · Cert 19381

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Park State Bank & Trust

Woodland Park, CO · Cert 19381

State charter, non-member · FDIC · 1 branch

Q2 2026

$162.3MAssets
$111.5MLoans
$145.7MDeposits
$16.3MEquity
Loan mix
95%RE $103.6M3%C&I $2.9M2%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $123.4M15%Noninterest $22.3MQ2 2025Q2 2026

NIM

5.81%Q2 ’245.78%Q2 ’255.75%Q2 ’26+7%-5%

Non-interest income vs. expense

4.29%Q2 ’243.99%Q2 ’254.09%Q2 ’26-9%+6%

Market Position · Colorado Springs, CO · 2026 SOD (annual) · 1.4% share · #21 of 41 inst. · $0.1B of $10.7B

Executive Summary

  • Earnings: ROA of 0.82%, down 37 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 0.05% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.27%, down 47 bps from a year ago.
  • Funding: loans stand at 76.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.82%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.36%-21 bps YoY

Efficiency Ratio (YTD, annualized)

78.95%+604 bps YoY

Tier 1 Leverage Ratio

11.27%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.19%1.06%0.86%0.82%-37 bps
Return on Equity11.89%11.86%10.52%8.49%8.18%-371 bps
Net Interest Margin4.57%4.33%4.25%4.25%4.36%-21 bps
Efficiency Ratio72.91%71.42%73.55%76.74%78.95%+604 bps
Non-Interest Burden3.09%2.85%2.90%3.07%3.27%+18 bps
Growth
Asset Growth (YoY)8.73%11.38%14.34%12.67%8.07%-66 bps
Loan Growth (YoY)3.57%-1.72%4.14%-0.65%5.32%+175 bps
Deposit Growth (YoY)8.42%11.47%14.14%12.94%7.98%-45 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.35%0.05%0.23%0.05%+4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%1.14%1.16%1.19%1.16%+15 bps
Allowance Coverage of NPLs119.0x3.3x23.1x5.3x24.0x-95.0x
Capital
Tier 1 Leverage Ratio11.74%11.28%11.21%11.08%11.27%-47 bps
Total Risk-Based Capital19.92%20.30%20.44%20.61%20.21%+29 bps
Equity / Assets9.93%10.00%10.08%10.09%10.06%+13 bps
Liquidity & Funding
Loans / Deposits78.46%71.50%74.20%76.12%76.53%-193 bps
Liquid Assets / Assets0.03%0.03%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/a245%238%263%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Park State Bank & Trust

Woodland Park, CO · Cert 19381 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$162.3MAssets
$111.5MLoans
$145.7MDeposits
$16.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 81% of banks under $1B in assets operating in a single state (rank 606 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.82%

Rank 509 of 746

Net Interest Margin

4.36%

Rank 128 of 746

Efficiency Ratio

78.95%

Rank 606 of 746

Equity / Assets

10.06%

Rank 419 of 746

Non-interest income vs. expense

$1.3M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state
Bank 78.95%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.82%0.72%1.06%1.45%Beats 32%509 / 746
Return on Equity8.13%6.74%10.51%13.63%Beats 34%489 / 746
Net Interest Margin4.36%3.17%3.68%4.16%Beats 83%128 / 746
Efficiency Ratio78.95%55.74%64.58%75.47%Beats 19%606 / 746
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.42%1.07%Beats 78%164 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio18.96%11.55%13.75%17.60%Beats 80%148 / 746
Total Risk-Based Capital Ratio20.21%11.71%14.33%18.43%Beats 81%139 / 746
Equity / Assets10.06%8.90%10.51%13.06%Beats 44%419 / 746
Liquidity & Funding
Loans / Deposits76.53%61.31%78.27%90.78%47th pctl395 / 746
Loans / Assets68.71%53.60%66.97%76.08%54th pctl342 / 746
Brokered Deposits / Depositsn/aNot reported for this institution