PARK STATE BANK

DULUTH, MN | Large | Est. June 28, 1916, midnight | FDIC #8851 | RSSD #286457 | FDIC
Latest Report: 2025-12-31

PARK STATE BANK is aln large FDIC-insured commercial bank headquartered in DULUTH, MN, established in June 28, 1916, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.2B. Profitability stands at 1.75% ROA and 17.44% ROE, with a net interest margin of 3.45%. The bank's CET1 capital ratio is 14.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 4.01%. FDIC Certificate #8851.

Assets

$1.5B

Deposits

$1.2B

Loans

$895M

Equity

$144M

Profitability

Return on Assets (ROA) 1.75%
Return on Equity (ROE) 17.44%
Net Interest Margin (NIM) 3.45%
Yield on Assets 5.57%
Cost of Funds 3.19%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.00%
Texas Ratio 4.01%
NPA Ratio 0.42%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 14.73%
Tier 1 Capital 14.73%
Total Capital Ratio 15.75%
Leverage Ratio 9.98%
Loan-to-Deposit 73.41%

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