Park State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Park State Bank of Duluth, MN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.17% | 1.46% | -0.29% | 42nd below |
| ROAE | 11.98% | 12.72% | -0.74% | 48th below |
| Net Interest Margin | 3.31% | 3.85% | -0.54% | 26th below |
| Efficiency Ratio | 47.99% | 57.41% | -9.42% | 80th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.83% | 1.88% | -0.05% | 59th above |
| Yield on Earning Assets | 5.25% | 5.72% | -0.47% | 32nd below |
| Cost of Funds | 2.09% | 2.02% | +0.07% | 45th below |
| Net Interest Spread | 2.78% | 3.18% | -0.40% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.03% | 1.00% | +0.03% | 31st below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.76% | -0.14% | 41st below |
| NCO / Avg Loans | 0.97% | 0.43% | +0.54% | 4th bottom |
| ACL / Total Loans | 1.05% | 1.31% | -0.26% | 36th below |
| ACL / NPLs (Coverage) | 101.57% | 543.61% | -442.04% | 30th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.42% | 7.39% | -0.97% | 38th below |
| Provision / NCO | 41.05% | 619.00% | -577.95% | 17th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.94% | 17.34% | -2.40% | 69th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.94% | 17.37% | -2.43% | 69th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.80% | 18.42% | -2.62% | 67th above |
| Leverage Ratio | 9.89% | 11.44% | -1.55% | 34th below |
| Equity / Assets | 9.83% | 11.34% | -1.51% | 39th below |
| TCE / Tangible Assets | 9.37% | 10.50% | -1.13% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.88% | 86.96% | -12.08% | 79th top |
| Core Deposit Ratio | 74.38% | 85.56% | -11.18% | 13th bottom |
| Uninsured Deposit Ratio | 26.50% | 33.13% | -6.63% | 66th above |
| Wholesale Funding Ratio | 9.01% | 5.70% | +3.31% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.72% | 9.68% | -3.96% | 53rd above |
| Loan Growth (Y/Y) | 3.61% | 8.06% | -4.45% | 38th below |
| Deposit Growth (Y/Y) | 4.33% | 7.87% | -3.54% | 47th below |
See Park State Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Park State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Park State Bank profile, how to read a UBPR, or how this data updates.