BlastPoint's Banking Scorecard
Park Bank, National Association
Designations: ✓ Community bank
Holmen, WI
Park Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.53% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.92% below tier
- - Efficiency Ratio 30.14% above tier
- - Delinquency Rate 4.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.7M
+8.3% YoY
+0.9% QoQ
|
-$137.7M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$24.9M
-0.6% YoY
-0.4% QoQ
|
-$114.3M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$67.2M
+9.4% YoY
+1.2% QoQ
|
-$116.4M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.16%
-57.4% YoY
+511.2% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.52%
-9.2% YoY
+0.3% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
97.86%
+6.2% YoY
-7.7% QoQ
|
+30.14% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
4.77%
-8.5% YoY
-14.0% QoQ
|
+4.13% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
36.98%
-9.1% YoY
-1.6% QoQ
|
-37.55% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.32%
-5.2% YoY
+23.2% QoQ
|
+5.93% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
1.49%
-16.0% YoY
-15.1% QoQ
|
+1.03% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
28.86%
-2.2% YoY
+3.1% QoQ
|
+20.00% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
1.09%
-25.6% YoY
+35.6% QoQ
|
+0.53% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Concerns (3)
Return on Assets
metricReturn on Assets is in the bottom decile of tier peers. Earnings power per dollar of assets lags peers; warrants margin and cost diagnostics to identify the drag.
Efficiency Ratio
metricEfficiency Ratio is in the bottom decile (highest costs) of tier peers. It costs materially more to produce a dollar of revenue than at peers - cost discipline or revenue growth is needed.
Delinquency Rate
metricDelinquency Rate is in the bottom decile (highest) of tier peers. Past-due loans are running well above peer levels - leading indicator of further charge-offs unless cured or worked out.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%