Duluth, MN · Cert 8851 · Park Financial Group Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
21
Profitability
52
Liquidity
44
Efficiency
77
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.
Duluth, MN · Cert 8851 · Park Financial Group Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Market Position · Duluth, MN-WI · 2026 SOD (annual) · 11.9% share · #4 of 26 inst. · $0.8B of $6.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.27% | 1.21% | 1.30% | 1.34% | 1.44% | 1.43% | 1.30% | 0 bps | |
| Return on Equity | 13.66% | 13.71% | 12.67% | 13.32% | 13.47% | 14.54% | 14.70% | 13.33% | 0 bps | |
| Net Interest Margin | 2.85% | 2.82% | 3.09% | 3.09% | 3.18% | 3.12% | 3.16% | 3.16% | +7 bps | |
| Efficiency Ratio | 50.29% | 48.63% | 49.11% | 48.89% | 49.12% | 48.56% | 48.93% | 48.58% | -31 bps | |
| Non-Interest Burden | 1.27% | 1.19% | 1.35% | 1.34% | 1.39% | 1.28% | 1.37% | 1.34% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 16.27% | 7.38% | 2.38% | 0.57% | 5.30% | 2.68% | 5.72% | +334 bps | |
| Loan Growth (YoY) | 4.68% | 2.30% | 2.43% | 0.85% | -3.07% | 1.70% | 3.16% | 3.61% | +276 bps | |
| Deposit Growth (YoY) | 14.95% | 16.44% | 5.28% | 1.09% | 0.06% | -2.66% | -3.39% | 4.33% | +325 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 0.28% | 0.20% | 0.20% | 0.51% | 0.69% | 0.98% | 0.92% | +73 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.02% | 0.00% | 0.00% | 0.12% | 0.55% | +53 bps | |
| Allowance / Loans | 1.10% | 1.08% | 1.08% | 1.04% | 1.12% | 1.22% | 1.18% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.9x | 5.3x | 5.3x | 2.2x | 1.8x | 1.2x | 1.1x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.57% | 9.66% | 9.99% | 10.31% | 10.62% | 9.98% | 9.81% | 9.89% | -42 bps | |
| Total Risk-Based Capital | 15.00% | 15.43% | 16.16% | 16.88% | 17.16% | 15.75% | 15.76% | 15.80% | -108 bps | |
| Equity / Assets | 9.28% | 9.47% | 9.62% | 10.25% | 10.36% | 9.67% | 9.85% | 9.83% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.34% | 70.27% | 71.27% | 75.40% | 73.96% | 73.41% | 76.10% | 74.88% | -52 bps | |
| Liquid Assets / Assets | 6.20% | 5.63% | 6.53% | 5.51% | 4.65% | 4.31% | 4.51% | 6.64% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 229% | 234% | 231% | n/a | n/a | |
Duluth, MN · Cert 8851 · Peer group: banks $1B-$10B in assets (n=311-317) · Park Financial Group Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
Return on Assets
1.30%
Rank 128 of 317
Net Interest Margin
3.16%
Rank 223 of 317
Efficiency Ratio
51.61%
Rank 75 of 317
Equity / Assets
9.83%
Rank 187 of 317
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.93% | 1.22% | 1.51% | Beats 60% | 128 / 317 | ||
| Return on Equity | 13.18% | 8.63% | 11.43% | 14.48% | Beats 65% | 111 / 317 | ||
| Net Interest Margin | 3.16% | 3.06% | 3.45% | 3.83% | Beats 30% | 223 / 317 | ||
| Efficiency Ratio | 51.61% | 51.90% | 59.69% | 67.53% | Beats 77% | 75 / 317 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.24% | 0.51% | 1.14% | Beats 30% | 220 / 311 | ||
| Net Charge-Offs / Loans | 0.28% | 0.01% | 0.04% | 0.12% | Beats 11% | 277 / 311 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.94% | 11.75% | 13.15% | 15.30% | Beats 71% | 91 / 317 | ||
| Total Risk-Based Capital Ratio | 15.80% | 12.63% | 14.21% | 16.26% | Beats 71% | 91 / 317 | ||
| Equity / Assets | 9.83% | 9.06% | 10.32% | 11.95% | Beats 41% | 187 / 317 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.88% | 76.63% | 88.04% | 95.67% | 22nd pctl | 242 / 312 | ||
| Loans / Assets | 60.49% | 65.41% | 74.05% | 79.71% | 19th pctl | 257 / 317 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||