Park State Bank
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
$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 317).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets (rank 277 of 311).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
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 | 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 |