The Park Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 31.16 percentage points higher than in Q1 2026, at 518.51%. The Park Bank ranks 124th of 153 Wisconsin banks on return on assets, in the lower half at 0.88% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Park Bank sits 0.40 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.10% |
| Tier 1 risk-based capital ratio | 12.10% |
| Total risk-based capital ratio | 13.35% |
| Tier 1 leverage ratio | 10.74% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 10.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.80% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 518.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 8.77% |
| Net interest margin | 3.01% |
| Efficiency ratio | 66.20% |
| Yield on earning assets | 4.85% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.80% |
| Core deposits to total deposits | 92.59% |
| Brokered deposits to total deposits | 2.36% |
| Deposits to assets | 81.04% |
| Securities to assets | 11.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 11.20% | 12.44% | 10.23% | 0.23% |
| Q4 2023 | 10.96% | 10.96% | 12.21% | 9.79% | -0.06% |
| Q1 2024 | 11.36% | 11.36% | 12.61% | 9.83% | 0.27% |
| Q2 2024 | 11.43% | 11.43% | 12.68% | 9.87% | 0.25% |
| Q3 2024 | 11.67% | 11.67% | 12.93% | 10.09% | 0.32% |
| Q4 2024 | 11.93% | 11.93% | 13.18% | 10.32% | 0.50% |
| Q1 2025 | 11.82% | 11.82% | 13.07% | 10.30% | 0.43% |
| Q2 2025 | 11.91% | 11.91% | 13.16% | 10.42% | 0.51% |
| Q3 2025 | 11.86% | 11.86% | 13.11% | 10.45% | 0.59% |
| Q4 2025 | 11.69% | 11.69% | 12.92% | 10.40% | 0.71% |
| Q1 2026 | 12.17% | 12.17% | 13.42% | 10.51% | 0.54% |
| Q2 2026 | 12.10% | 12.10% | 13.35% | 10.74% | 0.88% |
The Park Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Park Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19608) · FFIEC NIC profile (RSSD 403946)