Park State Bank
Duluth, MN · Cert 8851 · Peer group: banks $1B-$10B in assets (n=313-319) · Park Financial Group Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$1.5BAssets
$902.7MLoans
$1.2BDeposits
$146.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 77% of banks $1B-$10B in assets (rank 75 of 319).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets (rank 279 of 313).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.30%
Rank 128 of 319
Net Interest Margin
3.16%
Rank 223 of 319
Efficiency Ratio
51.61%
Rank 75 of 319
Equity / Assets
9.83%
Rank 186 of 319
Non-interest income vs. expense
Unfavorable gap of $20.1M · efficiency ratio beats 77% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.30% | 0.91% | 1.21% | 1.53% | Beats 60% | 128 / 319 | |
| Return on Equity | 13.18% | 8.49% | 11.44% | 14.57% | Beats 65% | 113 / 319 | |
| Net Interest Margin | 3.16% | 3.06% | 3.43% | 3.81% | Beats 30% | 223 / 319 | |
| Efficiency Ratio | 51.61% | 51.90% | 59.57% | 67.64% | Beats 77% | 75 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.25% | 0.54% | 1.18% | Beats 29% | 223 / 313 | |
| Net Charge-Offs / Loans | 0.28% | 0.01% | 0.04% | 0.12% | Beats 11% | 279 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 14.94% | 11.74% | 12.99% | 15.28% | Beats 72% | 89 / 319 | |
| Total Risk-Based Capital Ratio | 15.80% | 12.61% | 14.01% | 16.23% | Beats 72% | 89 / 319 | |
| Equity / Assets | 9.83% | 9.03% | 10.33% | 12.01% | Beats 42% | 186 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 74.88% | 76.76% | 88.16% | 95.43% | 22nd pctl | 246 / 314 | |
| Loans / Assets | 60.49% | 65.79% | 74.05% | 79.84% | 18th pctl | 261 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |