PARK STATE BANK & TRUST

WOODLAND PARK, CO | Small | Est. March 1, 1965, midnight | FDIC #19381 | RSSD #480059 | FDIC
Latest Report: 2025-12-31

PARK STATE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in WOODLAND PARK, CO, established in March 1, 1965, midnight. As of 2025-12-31, the bank reported total assets of $161M and total deposits of $145M. Profitability stands at 0.84% ROA and 8.38% ROE, with a net interest margin of 4.78%. The bank's CET1 capital ratio is 19.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 6.53%. FDIC Certificate #19381.

Assets

$161M

Deposits

$145M

Loans

$107M

Equity

$16M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 8.38%
Net Interest Margin (NIM) 4.78%
Yield on Assets 6.37%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.53%
NPA Ratio 0.71%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 19.19%
Tier 1 Capital 19.19%
Total Capital Ratio 20.44%
Leverage Ratio 11.21%
Loan-to-Deposit 74.20%

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