PARK STATE BANK
PARK STATE BANK is an FDIC-insured commercial bank headquartered in DULUTH, MN, established in 1916. As of , 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 3.32%. CET1 capital ratio: 14.73%, well above regulatory minimums. NPL ratio: 0.68% · Texas Ratio: 4.01%. Operates 17 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Park State Bank rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.73% | 1.75% | 0.68% | 4.01% | 3.32% |
| 2025-09-30 | 16.09% | 1.41% | 0.50% | 2.76% | 3.34% |
| 2025-06-30 | 15.89% | 1.39% | 0.20% | 1.11% | 3.21% |
| 2025-03-31 | 15.13% | 1.21% | 0.22% | 1.30% | 3.19% |
| 2024-12-31 | 14.42% | 1.29% | 0.29% | 1.78% | 2.98% |
| 2024-09-30 | 13.96% | 1.03% | 0.29% | 2.43% | 3.10% |
| 2024-06-30 | 13.82% | 1.38% | 0.33% | 2.84% | 3.02% |
| 2024-03-31 | 13.22% | 1.33% | 0.35% | 3.05% | 3.13% |
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Frequently asked about PARK STATE BANK
What are Park State Bank's total assets?
As of the Q4 2025 filing, Park State Bank reported total assets of $1.49 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Park State Bank headquartered?
Park State Bank is headquartered in DULUTH, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Park State Bank founded?
Park State Bank was established in 1916, per the FDIC institution directory.
Is Park State Bank FDIC-insured?
Yes. Park State Bank is an FDIC-insured commercial bank (FDIC Certificate #8851). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Park State Bank?
Park State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Park State Bank's CET1 capital ratio?
Park State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.73% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Park State Bank operate?
Park State Bank operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Park State Bank's Texas Ratio?
Park State Bank's Texas Ratio is 4.01% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.