Park State 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: 8.83 percentage points lower than in Q1 2026, at 101.57%. Within Minnesota, Park State Bank is 147th of 221 on return on assets, 1.17% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Park State Bank sits 0.11 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.94% |
| Tier 1 risk-based capital ratio | 14.94% |
| Total risk-based capital ratio | 15.80% |
| Tier 1 leverage ratio | 9.89% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 9.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.97% |
| Texas ratio | 6.42% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 101.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 11.98% |
| Net interest margin | 3.31% |
| Efficiency ratio | 47.99% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.88% |
| Core deposits to total deposits | 74.38% |
| Brokered deposits to total deposits | 18.84% |
| Deposits to assets | 80.78% |
| Securities to assets | 28.27% |
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 | 13.01% | 13.01% | 14.14% | 10.11% | 1.56% |
| Q4 2023 | 13.05% | 13.05% | 14.18% | 9.87% | 1.01% |
| Q1 2024 | 13.22% | 13.22% | 14.32% | 9.68% | 1.31% |
| Q2 2024 | 13.82% | 13.82% | 14.84% | 9.62% | 1.39% |
| Q3 2024 | 13.96% | 13.96% | 15.00% | 9.57% | 1.02% |
| Q4 2024 | 14.42% | 14.42% | 15.43% | 9.66% | 1.28% |
| Q1 2025 | 15.13% | 15.13% | 16.16% | 9.99% | 1.21% |
| Q2 2025 | 15.89% | 15.89% | 16.88% | 10.31% | 1.38% |
| Q3 2025 | 16.09% | 16.09% | 17.16% | 10.62% | 1.43% |
| Q4 2025 | 14.73% | 14.73% | 15.75% | 9.98% | 1.76% |
| Q1 2026 | 14.77% | 14.77% | 15.76% | 9.81% | 1.42% |
| Q2 2026 | 14.94% | 14.94% | 15.80% | 9.89% | 1.17% |
Park State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Park State 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 Park State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8851) · FFIEC NIC profile (RSSD 286457)