The Park Bank
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Data as of · sourced from FFIEC call reports. How we update
The Park Bank is an FDIC-insured commercial bank headquartered in Madison, WI, established in 1966 (FDIC certificate 19608), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.54B, up 2.8% from Q2 2025, the 20th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 12.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19608
- Headquarters
- Madison, WI
- Established
- 1966
- Total assets, Q2 2026
- $1.54B
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 12.10%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 075909945
- Holding company
- PARK BANCORPORATION, INC.
- Asset rank in state
- 20th of 153 in Wisconsin
The Park Bank leans heavily on commercial real estate. The Madison, Wisconsin bank had $1.5 billion in assets at June 30, 2026, up 2.8% from a year earlier. It holds commercial real estate loans worth 4.3 times its capital, about double the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets. It also keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $3.4 million, 78% above the same quarter a year earlier. Over the same year, loans grew 1.6% and deposits grew 5.0%. Profitability lags: it earns about $0.88 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, The Park Bank reported a CET1 capital ratio of 12.10%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 1.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Park Bank is the 20th largest of the 153 banks headquartered in Wisconsin. Between Q1 2026 and Q2 2026, its total assets rose 0.7% to $1.54B, loans rose 2.0% and deposits fell 0.1%. Non-owner-occupied commercial real estate loans made up 30.6% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 23.3%. Its 10 offices in the FDIC Summary of Deposits are in 6 cities in WI; its Madison 5 offices book 52% of its branch deposits. Judged on its Q2 2026 call report, The Park Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2401 S Park St, Madison, WI 53713
- County
- Dane
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 18, 1966
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 161
- Domestic deposits
- $1.25B
- Allowance for credit losses
- $16.1M
- Net charge-offs (YTD)
- $18K
- Average total assets
- $1.54B
- Average total loans
- $1.29B
- Average interest-bearing deposits
- $993.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 18, 1966
- FDIC Cert
- 19608
- Fed RSSD
- 403946
- Website
- www.park.bank →
- Parent Holding Company
- PARK BANCORPORATION, INC. (RSSD 1209716)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Park Bank's total assets moved between a low of $1.46B (Q3 2023) and a high of $1.57B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.54B total assets against $1.50B; $1.38B total liabilities against $1.35B.
$1.29B net loans and leases against $1.27B; $1.25B total deposits against $1.19B.
$169.7M securities against $150.2M; $22.6M cash and balances due against $25.9M.
$18.3M total interest income against $17.1M; $6.9M total interest expense against $7.7M.
$11.3M net interest income against $9.3M.
$1.8M total noninterest income against $1.4M; $8.7M total noninterest expense against $8.3M.
$129K provision for credit losses against -$44K.
$3.4M net income against $1.9M.
0.88% return on assets against 0.51%; 3.01% net interest margin against 2.56%.
12.10% CET1 capital ratio against 11.91%; 10.74% tier 1 leverage ratio against 10.42%.
Inside the full The Park Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Park Bank rankings
Its closest position to the top of a national ranking is 725 of 4,196, for total assets; its furthest is 1,667 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.32% (Q3 2024) to 0.88% (Q2 2026) and its net interest margin ran from 2.25% (Q3 2024) to 3.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | 0.88% | 0.24% | 1.80% | 3.01% |
| Q1 2026 | 12.17% | 0.54% | 0.26% | 1.95% | 2.81% |
| Q4 2025 | 11.69% | 0.71% | 0.24% | 1.89% | 2.99% |
| Q3 2025 | 11.86% | 0.59% | 0.22% | 1.78% | 2.65% |
| Q2 2025 | 11.91% | 0.51% | 0.23% | 1.84% | 2.56% |
| Q1 2025 | 11.82% | 0.43% | 0.03% | 0.28% | 2.47% |
| Q4 2024 | 11.93% | 0.50% | 0.04% | 0.32% | 2.34% |
| Q3 2024 | 11.67% | 0.32% | 0.04% | 0.33% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Capitol Square Branch | Madison , WI | 53703 | $310.1M |
| Fitchburg Branch | Fitchburg , WI | 53713 | $189.9M |
| Middleton Branch | Middleton , WI | 53562 | $123.1M |
| Sun Prairie Branch | Sun Prairie , WI | 53590 | $108.3M |
| Hilldale Branch | Madison , WI | 53705 | $107.2M |
| Old Sauk Branch | Madison , WI | 53717 | $105.8M |
| Verona Branch | Verona , WI | 53593 | $99.5M |
| Park Bank - Cross Plains Branch | Cross Plains , WI | 53528 | $82.0M |
| The Park Bank | Madison , WI | 53713 | $73.7M |
| Park Bank-Support Center Branch | Madison , WI | 53713 | $46.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 10, 2003 | Structure Change | Acquired The First National Bank of Blanchardville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 9, 2003 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WI, rank 24 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 613 applications, 469 loans originated, $176.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $557K approved, $111K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Park Bank
What are The Park Bank's total assets?
As of the Q2 2026 filing, The Park Bank reported total assets of $1.54 billion in its FFIEC call report.
Where is The Park Bank headquartered?
It is headquartered in Madison, WI, United States.
When was The Park Bank founded?
It was established in 1966, per the FDIC institution directory.
Is The Park Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Park Bank?
The Park Bank's primary federal regulator is the FDIC.
What is The Park Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Park Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Park Bank's Texas Ratio?
Its Texas Ratio is 1.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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