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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.29% | 1.21% | 1.39% | 1.41% | 1.75% | 1.43% | 1.18% | -21 bps | |
| Return on Equity | 11.29% | 13.78% | 12.67% | 13.99% | 13.65% | 17.44% | 14.70% | 11.98% | -201 bps | |
| Net Interest Margin | 2.97% | 2.87% | 3.09% | 3.10% | 3.22% | 3.22% | 3.16% | 3.17% | +7 bps | |
| Efficiency Ratio | 54.49% | 43.83% | 49.11% | 48.68% | 49.56% | 47.16% | 48.93% | 48.24% | -44 bps | |
| Non-Interest Burden | 1.47% | 1.01% | 1.35% | 1.33% | 1.43% | 1.06% | 1.37% | 1.33% | 0 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% | 0.01% | 0.01% | 0.03% | -0.03% | 0.00% | 0.12% | 0.97% | +94 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 | |