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
Unfavorable gap of $5.3M · efficiency ratio beats 19% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.72% | 1.06% | 1.45% | Beats 32% | 509 / 746 | |
| Return on Equity | 8.13% | 6.74% | 10.51% | 13.63% | Beats 34% | 489 / 746 | |
| Net Interest Margin | 4.36% | 3.17% | 3.68% | 4.16% | Beats 83% | 128 / 746 | |
| Efficiency Ratio | 78.95% | 55.74% | 64.58% | 75.47% | Beats 19% | 606 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.42% | 1.07% | Beats 78% | 164 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 18.96% | 11.55% | 13.75% | 17.60% | Beats 80% | 148 / 746 | |
| Total Risk-Based Capital Ratio | 20.21% | 11.71% | 14.33% | 18.43% | Beats 81% | 139 / 746 | |
| Equity / Assets | 10.06% | 8.90% | 10.51% | 13.06% | Beats 44% | 419 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 76.53% | 61.31% | 78.27% | 90.78% | 47th pctl | 395 / 746 | |
| Loans / Assets | 68.71% | 53.60% | 66.97% | 76.08% | 54th pctl | 342 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |